- Centurion Member
- Posts: 188
- Joined: Tue Jan 10, 2012 7:11 pm
- Location: New York, NY
I feel pretty confident in saying it will be a while before you are in the neighborhood of an 800 credit score. Not to be discouraging and I won't say it will never happen, but when you filed bankruptcy you were starting from square one, but with a monkey on your back the size of a gorilla. Fortunately, the bankruptcy will have dropped off your report right now so that helps. Any card will help you improve your credit; there isn't one that will do it magically. Not only will cards help, but loans do so as well. Keep doing what you're doing and don't make any mistakes. I hear Capital One cards can be easy to get for people starting out or starting over. Consider Discover as well. You didn't mention what your current scores are, so if you don't know them your first step should be to request a copy of all your reports. Check them over carefully for mistakes. Dispute ANYTHING that is wrong that may impact your scores regardless of how minor the effect. Every point helps in your situation. The difference in a few points will save or cost you. If your scores are below 600 you may have to consider secured cards. They aren't the end of the world and many of them will let you graduate to unsecured cards (if they offer them) after a year or two. Bottom line: pay your bills, don't take on too much debt, and, most of all, be patient. Bon chance.
Cards and Credit lines Acquired:
Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).