6 Months Post BK...wait or add now?

[Anonymous]

I am at the start of the credit rebuilding process with a discharged BK only 6 months old, and I wish I had found this board before applying for two cards.

So far I have a Cap 1 Platinum(300 CL approved 3/12 and a SHOW MC 300 CL but 75 AF approved 5/12. The SHOW MC I probably will never use as the interest (35.5 APR) is horrible. Ive used the Cap 1 and paid it off, and according to Credit Karma my score there is 604.  Should I wait at least 6 months-1yr to add anything else?

Note - I had also applied back in 3/12 for a Orchard Bank MC but was declined, I had included them in the discharged bk.

[Repo-ed]

First fully understand that the scores you see from Karma are known as FAKO scores.  Your real FICO scores could be much higher or even much lower.

First, I would get my TU and EQ FICO scores from here, and then perhaps wait 6 more months.

[Anonymous]

Thanks for the advice, I will do so and update accordingly