I am about to receive discharge papers (Ch7 BK) in the mail and need to build credit as quickly as I can, of course. My EQ score is 550 (don't have TU or EX). I really want to avoid as many inquiries as possible. What kind of card should I apply for once I get my official papers in the mail? And will I only qualify for secured, or should I attempt to try to get an unsecured card?
Also, I'm hearing advice to charge each month and pay off in full for best credit building strategy, but am also hearing charge and then pay off within 2-3 months.
I know this is not an exact science, but I just really want to make the best possible moves that I can and avoid any more mistakes.
Thanks for your help.