yes. Thank you! I'm a single mom of two so it was hard... When I left the kids Dad I want to start over so I just filed BK.. Babysitter was $1000 a month and car payments was $700.00 and rent and other sh**.. It was BS. I have to let go of everything.. But I'm okay now.. I finally got savings and something to have on hard times..
I filed Chapter 7 on November 2011, then started my first credit card after 3 months. I didn't really apply that much I didn't know you can rebuild right away but everyone has different preferences plus you already have credits on hand so there's no rush.. I think you are doing a really good job..Your credit will climb up right away.
My plan was to wait a minimum of a year post bk7 to apply. I'm A ok with the three cards I have now. I rotate a balance less than 9% every month right now. Hopefully my score will climb quickly!!