When to start rebuilding

[Dannyc1005]

I’m 2 payments away from finishing a chapter 13 payment plan. I’m not looking for extreme amounts of credit, I have been living without any kind of credit purchases or payments other than a local hospital for an MRI, but will be done with that soon also.
I’m 52 and will soon need a roof job that is not insured, and also in need of another vehicle due to current vehicle not being reliable for out of town highway trips. Should I rebuild for a few months with capital one or any other offers that come my way? Or how long should I wait before applying for auto loans? I’ve made it a point not to buy until I have 20% down and at least 3 payments in savings. So it would possibly be 9-12 months away anyway. Any advice or timelines others have experienced would be appreciated.

[shipo]

Congratulations on your upcoming discharge; here's what I would do:

1. Once your penultimate payment has been posted, quickly send off your final payment; this will accelerate when your discharge is ordered.
2. Once your discharge is ordered, wait four to six weeks and then pull your credit reports from annualcreditreport.com; go through the reports to make sure all prior debt is showing a balance of $0.00.
3. Apply for a CapOne credit card, their Quicksilver is pretty popular for folks just out of a Chapter 13.
4. If you have the cash, I would also apply for a secured card with a $5,000 limit (or as close to it as possible).
5. Join a credit union (if you aren't already a member).
6. After the above card or two have aged for 3 or more months, I would apply for a card from the credit union.
7. Once you have three cards, sit on them and make no additional applications for a year.

Regarding your roof; do you have enough equity in your home to apply for a HELOC?

Regarding your car; what makes you think it isn't reliable for out of town highway trips? I ask because any well maintained car, even with hundreds of thousands of miles, should easily be capable of road trips. I cannot tell you the number of trips of at least 500 miles I've driven in cars with a minimum of 100,000 miles on the clock, and I've done at least six trips coast-to-coast trips in cars with over 200,000 miles on them.

[Dannyc1005]

Thank you,
I was thinking about when to use my free annual credit report, that makes perfect sense.
I do currently have equity in my house, roof isn’t leaking or anything but it very pitch and has the rolled laminate so hopefully it’s not too expensive.
As far at the car goes, I have a 2007 with 128k mi, that gets horrible gas mileage and overheats sometimes, I usually do my own maintenance, I know it’s not head gasket, and have changed thermostat but still don’t know what it is. I’m looking for something 8 passenger for family and cargo when needed, but it is still a want and not a need right now, so I’m approaching it carefully.
Thanks again.