Here's my history and situation.... DW and I filed Ch13 BK in 07/2004, and it was discharged in 11/2006. There are still a handful of baddies reporting on my CR's, which should all drop off mid-year. My only debt is a student loan ($7400 balance), the monthly payment for which I have always paid religiously. I have a single rebuider Orchard Bank CC with $300 limit that I got in 08/2010. I keep the UTIL on this card below 9% and PIF every month. In 08/2010, I was declined for a Cap1 rebuilder CC, and in 03/2011 I was declined for a Lowe's card. At the moment, the only open TL's on my CR's are a mortgage from 01/2010, the OB CC from 08/2010, and the student loan from 1992 (which doesn't even show up on TU now). My current FICO's are in my signature - not great but not bad considering my history. In 1 - 2 years, we plan to purchase a new family vehicle and hope to have scores high enough at that time to secure an auto loan with a reasonable/good interest rate. I am thinking of establishing a few more TL's, specifically credit/charge cards, later this year. Which cards should I apply for and when? The ones I have in mind include Target, Wal-Mart, Lowes (again), JCPenney, and possibly Citi and/or Discover (burned Chase and BoA in the BK). Any other or different rebuilding advice?
