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depmats · 05-19-2004, 05:39 PM

Household Finance. I deal with everyone from a 500 - to a 750 FICO. But have been known to work for a broker on the side. Everyone that I am aware of filing Ch7 had their first guaranteed CC before discharge was even announced. The first 3 accounts aren't going to be ones you are proud to have, with avg$40-50 annual fee and @22-25% interest, but they are just starters and you should be able to get on with more reputable companies in under 12 months. 24 months and you should have better than a 700 FICO (assuming you had positive credit before the BK)

05-19-2004, 05:39 PM	#9
depmats Major Inhabitant Join Date: May 2004 Posts: 124	Household Finance. I deal with everyone from a 500 - to a 750 FICO. But have been known to work for a broker on the side. Everyone that I am aware of filing Ch7 had their first guaranteed CC before discharge was even announced. The first 3 accounts aren't going to be ones you are proud to have, with avg$40-50 annual fee and @22-25% interest, but they are just starters and you should be able to get on with more reputable companies in under 12 months. 24 months and you should have better than a 700 FICO (assuming you had positive credit before the BK)