[lookout123]

most of them don't. usually the same day they will get preapproved cards with $500 limits from capital one, juniper, and providian. believe it are not, the best thing they can do is take them, bite the bullet on the terms, use them, and pay them off each time.

it is easy to get back to a 700 credit score within 18 months of a bankruptcy with the right stategy.

1. Take crappy credit cards (preferably from 4 diffferent companies)
2. make 3 months payments. go to select department stores and get their cards (all you need is to show a current card with visa or mastercard)
3. use each of these every month for something small, pay it off when the bill arrives.
4. after one year either lease or purchase a new (reasonably priced) car from dealership. Has to be new so that you get the advertised pricing tiers. If you refuse to buy new, just take a small loan from your bank or credit union on your current vehicle. make payments for at least one year before paying it off.
5. either open HELOC (and keep balance below 40%) or refi mortgage and pay for one year.
6. pull credit report. You should be hovering around 700.
7. keep pulling your report every 6 months or so for 5-7 years because some of your creditors probably sold the paper before you filed bankruptcy and the new creditors will occasionally pop up as delinquent until you file dispute and they will be removed.