You would need your actual fico scores to get tailored advice. Experian Credit works has a 7 day trail for a $1 just cancel before the 7 days.
Starting Score: 494 503 521
Hi and Welcome to the forums!
I was in your shoes almost 2 years ago. I'd finished paying off a 5-year Ch. 13 and badly in need of a new car. I had signed up for MyFico subscription a few months before my discharge and was able to get an accurate idea of what my scores looked like. I was in the low 600s on EQ and TU and high 500s on EX.
If you haven't yet checked out the "Rebuilding" and "Bankruptcy" forums, I encourage you to check them out. I gained a wealth of knowledge from those boards.
Order your REAL credit reports from the annual credit report site and make sure that things report accurately. Check the pre-qual sites to see what you might qualify for, credit card wise. I was about a week out of discharge when Capital one, my credit union, and Wells Fargo all approved me for auto loans. At the same time, Capital One also approved me for a $10,000 Quicksilver card (I burned them in BK), which I've treated well ever since.
After being strictly cash for so many years, the temptation to app was there and I did go on 1 big and 1 little app spree. Those sprees netted me some cards I still use well to this day, and also some I regret, so think long and hard about your goals when it's time to app.
It's exciting to finish the Ch.13 plan, even more exciting to get the discharge. But the best is when it finally drops off your reports.
Best wishes on your rebuild and good luck! I'm rooting for you!
