I've been lurking for years, gaining an solid understanding of how cc management can improve scores and also hurt them. On a whim, with my chapter 7 BK discharged 4/18, and after seeing others getting approved in less than 2 years post BK, I pulled the trigger. Navy approved me 500 sl on the cash rewards at 16.99. Penfed surprised me with a 3500 approval on the Power Cash at 17.99 with 0% for 12 months. I am happy and know both relationships will grow.
