Stuck after chapter seven

[Anonymous]

So here’s where I’m at I’m roughly a year and a half post a finalized chapter 7BK. Scores about a 620-640 but I can’t seem to get any serious credit lines. I have a few small cards open but all major credit cards won’t let me in. I’m prepping for buying a house as a first time buyer once my two year waiting is up but how can I further my credit score from here? Biggest cc is $650 and a furniture trade line of $1500 also have 2 auto loans open

[Anonymous]

most people start with secured card, from either discover, capital 1 or local CU. Read their requriement to make sure you qualify.

you can also consider asking a friend or relative with good credit score to add you as a credit card AU.

[Anonymous]

As of right now I have a secured discover open one year,Cap one platinum and credit one just haven’t been able to get the discover unsecured or the cap one limit raised

[Anonymous]

did you check to see if your fico score changed since you opened those account?

[Anonymous]

It’s definitely jumped since BK it was probably a 550 going in

[Anonymous]

So it seems you have made good progress. Im not entirely sure why at your current score you still can't get unsecured loans. See if anybody more knowledgeable can answer.

In the meantine, it sounds like you did tried to apply for some CC and got denied, did they say the reason for denial?

[Anonymous]

Synchrony controls a lot of the cards I’d use and I discharged multiple cards from them. I haven’t really tried an unsecured loan I do have a credit builder with self lender though

[FireMedic1]

---

@Anonymous wrote:
So here’s where I’m at I’m roughly a year and a half post a finalized chapter 7BK. Scores about a 620-640 but I can’t seem to get any serious credit lines. I have a few small cards open but all major credit cards won’t let me in. I’m prepping for buying a house as a first time buyer once my two year waiting is up but how can I further my credit score from here? Biggest cc is $650 and a furniture trade line of $1500 also have 2 auto loans open

---

Whos the furniture credit with? Hope its not a consumer finance loan. That will hinder you.

[Anonymous]

Tidewater through rooms to go

[CreditInspired]

Hi OP and welcome to MyFICO

Since your goal is to buy a house in another 6 months or so, I suggest that you not apply for anymore credit. Lenders don’t like that.