No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Welcome. AMEX if they werent burned. 5yrs 1 month. What you want isnt going to happen. Need scores and what accounts you presently have. The big boys are out of reach with a BK on your report being a year out.
@Credit_hawk wrote:
I think it’s funny the way you worded that. ‘Only blemish I have is a Chapter 7 bankruptcy.’ It’s the worst thing you can have on your credit report 😂
"Other than being a known felon, I have a clean criminal record."
@Anonymous wrote:Just to clarify, it’s 5 years, 1 month (aka 61 months) from file date.....unless you have a bad history etc with Amex.
OP - As you wait for 61 months from file date, you have an opportunity to rebuild your file. I recall there was a thread in the BK forum on getting a 700+ FICO score within 24 months (without excessive inquiries, HPs, denials or store cards)--it's a process and it takes patience.
Perhaps the best thing you can do for yourself in the interim is be highly conservative with your credit seeking and use (if that can get you in trouble) and focus on other areas of finance--increase income, savings, retirement and/or reduce excessive spending.
These are all my opinions (😇), but there is no harm in making your monetary standing as strong as your credit standing.