My bankruptcy was discharged 2 years ago.  How do I get one of those higher credit limit cards?
541648
Visit my website to see an article on tips to rebuild your credit after bankruptcy.
917103
CAB should have told you all this. \n(Didnt they give you an information pack with all this in it?)\n\nBankruptcy usually lasts for up to a year now.\n BT wont accept an account from you unless you have the discharged papers saying you are no longer bankrupt. \nYou can get a bank account but not an account with an overdraft or debit card. HSBC are currently the best bank to go to for this.\nBankruptcy will stay on your credit rating for seven years even after you've been discharged.\nAnd even if you are made bankrupt you still have to make some payments.
738709
I have filed bankruptcy 2 times and I am 35. The chargeoffs are on your record for max 10 years depending on company.  Within 1 month after each bankruptcy I was getting credit card offers. Interest rates are HIGH and credit limit is low but you can build up credit limit with on time payments and eventually getting credit line increase. I have orchard bank. I also applied for a sam's Club membership card, had it a few months and then applied for a credit card and got it with no problem..(it's now 30%). You can use it at Wal-Mart also...There are several you can get..just go online and research..Be careful..I have gotten offers for some that offer 300.00 credit line, 6.00 month fee, 150.00 year, 100.00 act. activation fee..(210.00 year total) at 22 or 23 % interest..Don't get in over your head.
960378
Fraud on your part, or theirs?  Your response is simply that the credit card company told you what consitituted "income."  The bankruptcy court is likely far more interested in what your CURRENT ability to pay your debts is, than it is what you put on an application six years ago.\n\nSounds like a question for your lawyer (you do have one, right?) just to make sure, though.
357290
Go to Lendingtree.com\n\nI got a Mortgage after my wife declared bankruptcy.
1029812
Try the UNITED WAY debt consolidation I did and the calls stopped and I made one payment a month according to income level and there was no fee. You MUST call your credit card company's and tell them to STOP your cards immediately or it just keeps getting more and more (very very important) don't use them at all go all cash or don't spend. This is a free country thank God and we should not let the Government dictate anything. I hope this helps. Knowone made you go into debt so its you that has to figure a way out. A real challenge indeed, with out claiming bankruptcy (even if you claim Bankrutcy you still have to pay back at a lower rate depending on kind of Bankrutcy and judges decision) go to consumers Q&A on your computer and see what other people are doing and follow what is working for the MAJORITY. It might work for you as long as your debts arent too far out (Hundreds of thousands). It seems the older we get, the less they care about us, not much can be done about that unfortunately. when the goin gets tough, the tough get going .....good luck my friend.... your imagination is thier worst enemy...... Peace
1076838
Pretty soon you will start getting offers from credit card companies (Householdbank, Orchard, First Premiere) and although they start you at a tiny $250 limit, it is a way to start re-establishing credit.  Just charge something small and make payments.  I know it looks like there is no hope, but there is.  Also, order a copy of your credit report and see what is on there.  Try and challenge anything.  Sometimes the credit agencies are so lazy they won't verify anything.  Is your BK dismissed?  Sometimes if it is dismissed, you can have it removed.  I just got mine removed from Experian.  Good luck.
663554
I think I can solve the puzzle of the 2,000 bill.  Those nice folks at the credit card company like to raise your credit limit "as a favor to you" when you happen to go over your current limit.  You most likely didn't notice that you had reached your limit, and the next think you know you are $2000 in the hole.  \n\nAnd for that gift of an increased credit limit, they probably also jacked up your interest rate as a penalty for going over your limit. \n\nStill wanna ask if you were scammed?
442410
Try applying for Cap1 or Discover.  If you get denied you may have collections or something else negative on credit.  You'll want to open a secured account at either Bank of America or Wells Fargo where you will put money into a savings to act as collateral.  When you close the account you'll get that money back plus some interest.  Stay far away from companies offering a secured account that don't ask for a deposit.  They will give you a card with a full balance!  If the card has a $200 balance, you will owe $200 of the bat.  They say that they're doing you a favor because if you pay them on time you'll get better credit.  Your credit score is determined by a large part by your balance-to-credit limit ratio.  The lower you keep your balances compared to your credit limits, the better your score will be.  Using these scam cards you are giving yourself a ratio of 100%!  Stay with the big dogs or your trusted local bank if you go with a secure account.  Keep your ratio under 50% and your payments on time and you'll get offers for unsecured credit cards in 6 months or less.  Get two or three of those (keeping them under 50%) and you can close the secured account, take your deposit, and buy yourself a "congratulations" gift with the $200.
455065
Re-Establishing Credit\nFiling for bankruptcy will negatively affect your credit history. You may find it difficult to get a new credit card. However, you might be able to obtain a secured credit card when your bankruptcy is final. Even people with damaged credit may be able to obtain a secured credit card by depositing money in a savings account. Your line of credit on a secured card usually is the same as the amount of money you deposit.\n\nIn recent years, some credit card companies have started to offer new credit cards to people who recently filed for bankruptcy because they know that people who have filed for bankruptcy cannot file again for several years. These offers are likely to be for credit cards with very poor terms, such as high interest rates and penalty fees. Be very careful about responding to such offers.
1125516
Yes, you can get a student loan even though you've filed bankruptcy within the past 10 years. You can also get other loans and credit cards.
281526
First let's dispel a myth about credit.\n\nLet's say you have a major credit card with a $2,000.00 limit and you charge $2,000.00 every month and when you get you statement you pay it in full. You will not have any late charges but your credit file will show that you owe the credit card company the full amount of your credil limit which will lower your score.\n\nIf you want the highest score possible make sure you credit card has as close to a zero balance(definitely not more than 50% of your credit line) when it is the end of your statement cycle. This is what is reported to the credit bureas.\n\nAlso, watch out for credit reporting lag, i.e. you pay off your credit card in March but the zero balance may not show up on your credit report for 60-90 days.\n\nAlso be careful, because some credit card companies are now not reporting credit limits to the credit bureaus but only high credit.\n\nIf you haven't checked out your credit reports go to www.annualcreditreport.com and you can get all 3 for free and it won't lower your score.\n\nOnly get your credit scores from www.myfico.com/12 because that is the real FICO score that lenders use. Plus you will get the top 4 reasons that your credit score isn't higher and that will give you a game plan. All of the other scores advertised on the web are worthless.
80890
Not sure how short you are looking for but first thing you need to do is give more details (have you gone through bankruptcy, collection accounts, no credit..) \nIf you have just recently gone through bankrupcy then I would suggest getting a very low limit credit card www.capitalone.com - where I got mine... Just start using it as a gas card, or buy clothes and take your time paying them off.. Like a couple months.. Never EVER be late on a payment and always pay over the minuim amount due (payment). Second, dont be late on any bills. Creditors look at this as well. Have you got a copy of your credit report lately? You should if you haven't so you can see what you are up against. If you have not filed for bankrupcy then you need to see what you have in collections and also get all your debt paid down.
1130863
This question is easier than most are making it.  Two years is the magic timeframe with most mortgage lenders.  You should be able to qualify for a mortgage just as easily as someone else with the same credit score that hasn't had a bankruptcy.  \n\nThe usual disclaimer goes here: it depends on your entire financial position right now.  Your strong job history helps.  Having money in the bank or a 401k to show as assets also helps.  \n\nYou should work with a local mortgage broker.  They will be able to get conventional financing that any bank can.  If there is something in your financial picture that makes this kind of lending impossible, the broker can secure non-conventional lending.  These are loans that your local bank can't pull off.\n\nStart by educating yourself.  Check out this blog:  http://explaintome.blogspot.com\nIt explains the mortgage decision process and shows exactly what a mortgage broker does.\n\nBest of luck!
181914
Ask your bankruptcy lawyer, they will know.  It won't hurt to try.
163927
If you use your credit cards after bankruptcy, be prepared to pay everything you charge on them.  \n\nYou should cut up your credit cards.  That's what got you into bankruptcy in the first place.
453783
Credit history is not a "fast thing."  That's why it's called "history."  \n\nI would start by getting 2 credit cards.  Charging your daily "miscellaneous needs" to them.  Pay them off on time or ahead of time.\n\nAfter 2 years, acquire more credit cards visa/mc/discover but close the others after you have in favor of the new ones.  (make sure you have better interest rates, or don't do this step) This shows you can GET new credit, and also that you DON'T NEED the old credit.\n\nGood luck and Welcome to America