I wanna cry

[highhopes]

I was discharged 2 years ago, I have 1 macys pre BK and one secored CC post bk, nothing else. I can't get approved for anything was denied Penfed Secured card, have too many EQ Cu inquires to count.

I am sick with trying to rebuilding. I feel as if I am being forced to deal with slime lenders, cap one and roadloans said no to a 20k loan. Asked for a co-signer.

I had a paid off loan thru Ford Motor credit but I hate to deal with them again because of there daily accrual APR.

I just dont know what to do anymore.

[CindyLou]

Are you trying to get a car loan or a credit card? What are you credit scores? Have you checked your credit report? Have all of your accounts been updated as included in bankruptcy and reflect zero balances? Have you had ANY negative hits on your credit report since your bankruptcy? What is your debt to income ratio?

Also, I am not aware that Ford Motor credit does their loans any different than any other company. It is simple interest, which is accrued daily just like any other car loan you will find with any other lender including a bank or credit union. Ford Credit is very BK friendly. Have you tried Christian Community Credit Union? But before you try anything else I suggest you pull all three credit reports. There must be something on there keeping you from getting approved. Once you check it our let us know what you see.

[highhopes]

I need a car, I only need CC for rebuilding purposes. I don't carry balances I pay in full. There are red area things on my Reports I am not sure should've been included or not. I do have 3 lates with National city that are about a year old due to my EX. I have been excellent since and have requested a goodwill delete, still waiting on a response. If not I guess I am looking at a year till they drop off. I had sam's and walmart but they keep reporting 3 and 4 different accounts all IIBK. When there should be 1 reporting IIBK the others should be lost card/stolen card , I think this is causing a problem too, EXP is the only one that reports that correctly. I view my reports periodocally thru the months havent purchased real fico's though.

[HeatherB]

I know your woes. I ended up going through a "buy here, pay here" place and having high interest. My husband goes to a state auction all the time and he has bought a few vehicles for only $1000. Keep your chin up. Sometimes we have to suck it up and do whatever it takes, though.

[tinroofrusted]

Double and triple check your credit bureaus!!! This is the most important thing.

Secondly, have you tried to get Target, Cap One, Orchard, or any of the other "easy" cards? That might help.

[CindyLou]

if you have had "dings" since your bk that could be your answer. Creditors want to see PERFECT credit since a bk. Any late payments after a bk can be very difficult to overcome and will take 7 years to fall off. Unfortunately that might be your answer. All of the advice given on here regarding rebuiding is assuming there has been no further damage to your credit since bk. I know things happen and sometimes it can't be avoided, but then you won't be able to expect the plan to work under different circumstances. Be sure and tell your ex thanks!!! Sorry you are going through this!