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Hey everyone. I am new here and looking for advice on how to rebuild.
I filled for bk in december and was discharged in march. Right now I have a 624 TU and 601 Equifax. I opened a secured disco card with a 200 limit but unfortunatly when it reported I had a 180 balance on it. My statement period closes tommorow and I currently have a balance of $6 on it. I am hoping since the utilization will go down my score will jump higher. Should I get more secured cards or should I add more money to my discover card to raise the CL to 500 or 1000. I also got approved for a car loan back in May because I needed a new vehicle and I got hit with a whopping 13 percent interest rate. I have made all my payment on time and am looking to refi.
Does anyone have any good companies to refer me to for the refi? or should I stick with the 13 percent and make payments for a solid year before trying.
Also at what point should I start applying for unsecured cards. I think cap one is a no go for me because I burned them on my BK along with credit one.
Thanks!