@bbb3601 wrote:Just wanted to let everyone know that if you are struggling to rebuild have patience. If you follow all advice from this board it will work. Take the time to use the backdoor numbers for recon's etc. because they do work! I just did a recon with Barclay's for an app that probably should not have been approved, but I went about it the right way. I brought up my negatives only then to squash them with my new positives. With the help of this board I was able to get Wal-Mart, Barclay's, and a auto loan in the past 90 days and I have no score over 627. 5 years post BK with my only positive accounts being 2 cap 1 cards. Thank you all so much for your countless hours of great reading information!!!!!!
Welcome, bbb3601! 
Congratulations on your rebuilding effort!