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I declared BK7 in mid-May, discharged in mid-August.
I have since opened a couple of secured cards with Merrick and Elan, both with a $300 balance.
For some reason my Khols store card survived the BK7 (there was a zero balance there).
I was thinking of applying for an 8K personal loan, due to a personal issue.
My current scores as of Nov 16, 2018, post-discharge:
EX 641 TU 650 EQ 677
Thoughts?
It all depends on how much your interest rate will be. I just checked ck for a 10k loan says I would pay $6,487 in interest (35.99%) over 36 months. Your scores are a tad better than mine but at least you have a general idea.