Hi all, big time lurker on here first time poster. Hoping to get some advice on a game plan and see what anyone thought. BK7 discharge July 2013, have one CC from Cap1 (the Quicksilver, not secured 500 limit, just went from 300 to 500 about 2 months ago) and have a secured loan I am paying off that is at the 800 balance mark ona 1500 secured loan. Both trade lines are 6 months old. I'm working to use my VA to get a home loan hopefully at the year mark this July. I was told that because my bk7 was medically related that I "could" be considered at the year mark, so I'm working for that. 610 EX score on USAA CRMP. One of the problems is the low credit limit (so the factors that lower my score page says). I'm thinking of applying but want some advice. Is it a good idea 2 months because potentially working towards a house? What cards so you think given my situation. Looks to be approved so I want to be cautious about who I apply with. I was thinking Barclaycard Mastercard and/or apple card... I hear their bk friendly after 6 months. Was also thinking a Shell drive for 5 gas card. Hear thats easy enough to get and I generally get tons off my Shell gas (use that saver discount card thing they offer). So I know thats a long read, sorry about that folks. Any advice? Should I wait? Should I apply and continue to increase cards. etc. Thanks!
