So I’ve been dismissed from Ch 13 since the end of January. Had been in it since Nov. 14’. Finally happy I can start a rebuild in my credit. At the time (didn’t know you couldn’t take out credit) of BK I reestablished some TL’s, conns, Fingerhut, and lend up. I’ve had very good payment history and have no lates. I haven’t checked my FICO yet, CK shows TU: 569 Eq: 561. My wife has somewhat better scores( again only CK not FICO) TU: 591 EQ:570. I just recently applied for the C1 secured card and was approved for the $49 deposit. I was pretty excited about that. I had the wife apply being she has somewhat better credit and less negatives on her CR, for the C1 platinum, but she wasn’t denied but they are going to review the app. I currently have an open installment loan through Lend Up for $1000. This is my 2nd one I’ve taken out, the 1st was paid off. I did the pre quail for Discover, and wasn’t given an option for any of their cards and I will be sent a letter as to why. I was hoping to have the secured but looks as if my luck my stop there with trying to have 2. Wondering if I should have my wife apply as well and maybe look into Self Lender to have another installment loan out. Going to pay off the wife’s FingerHut account and her credit one card and close that account, no need for a annual fee for a predatory card. Goals for this year hopefully fingers crossed, is to be able to obtain an auto loan and in the next 2 years be in a position to get a house. I’m going to be clearing up my CR with all my medical collections soon, so that should be fun!!
