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Last Activity: Yesterday, 08:16 PM
Joined: 03-30-2021
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  • It is my understanding that TD has much lower standards for its secured card than BofA. Supposedly, anybody who applies (within reason, I guess) is approved as long as they are willing to put up the money. I got that info from someone at TD. BofA still exercises some relatively strict underwriting evidently...
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    Last edited by Jeffster; 06-22-2021, 11:29 PM.

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  • Now that I know that rebuilding really is possible, I’m in it for the long game.

    I will now let these cards age. I have more than enough credit to suit my needs now, and far more than I ever expected to get so shortly after my discharge. My total reliance on my debit card during the Chapter...
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  • I thought rebuilding was going to be impossible

    My Chapter 13 was discharged in January 2021. 100 percent plan which I completed 1.5 years early.

    I wasn’t quite sure how I was going to rebuild my credit, and was kind of OK with just sticking to my debit cards. In fact, I had resigned myself to a future using debit cards only.
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    Last edited by Jeffster; 06-09-2021, 11:09 AM.
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