Yeah, sorry, I'm not trying to be a downer, just trying to make sure you're informed. On the bright side, once your BK is done, you'll have no problem getting credit in 6-12 months. Start with the usual suspects, cap1, discover, secured cards. Honestly, you probably won't need a secured card depending on if you burned cap and disco, and for how much.
Oh, you'll get back in. It may take a year or more with that balance, but they always let people back in as long as you didn't bounce any payments.
@Andy77 wrote:
Yea its neat... opened 1969...... my mother told me my aunt added her as an AU when she filed a bk in 1991. I am not sure how the account survived all these years since my aunt passed away.
Lolwut
I can say this - and I’m not expert by any means - I put my Mom on my 3 oldest accounts a several months ago when my Dad passed wash help boost her credit. She had no credit profile at all because everything had always been in Dad’s name. My cards raised her score 119 points instantly. After a few months of reporting, she got an offer from Cap 1 and she opened a Cap 1 Platinum. After a few months of that being open, she applied for the Chase Amazon card and got it with a $1500 limit. IDK if she could have got them without being added an as AU, but now Indigo, Ollo, Credit One, First Progress, Mercury and others are hounding the crap out of her. 😂 I told her to let these two grow and use them just to help build her credit. She didn’t understand it because kept saying “I don’t need credit cards” which she doesn’t, but seeing her score jump from 550’s to 680’s in less than 6 months made her a believer.
