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Some advice for a newbie here please ..

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    Some advice for a newbie here please ..


    #2
    HSBC most likely denied you because of a lack of history. Most companies want to see at least a little something there.
    Filed Pro-se: 01/18/06
    341 meeting: 02/14/2006
    Objection Deadline: 04/17/06
    Discharge: 06/13/2006
    Closed: 06/21/2006

    Credit cards

    06/25/06, reopened a Discover that I closed before my bk, $1500 limit
    July 2006, Target Redcard $200 limit
    August 2006, Hooters MC $1750 limit

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      #3
      If your wife has other cards, and she added you as the authorized user on them, that could help.

      With your bankruptcy being so old, everything in the filing should be long gone. Even so, check your reports make sure nothing is reporting wrongly.

      Avoid applying for creditors that you included in the bankruptcy - they may have a LONG memory even if they are no longer showing up on your reports.

      I would suggest either Juniper or Capital One. From what I've read here, people have had good results with them.
      Discharged Chapter 7 09/05

      Post Bankruptcy Credit:
      Target $200 (12/05)
      Capital One $500 (12/05)
      Hooters Mastercard $2000 (04/06)

      Fico Scores: average of 646

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