When do you start receiving credit card offers?

[dr618]

I heard that when you file you will start receiving all kinds of offers, I haven't received any. Also, I am interested in rebuilding my credit again, when can I do this? Last day for objections is 3/24, do I do it after that?

[ready2puke]

I would think you could start right after your discharged and closed.

[dr618]

Thank you. It's strange that I haven't received any offers in the mail.

[ready2puke]

Well I have no experience since I havent even filied yet...from what others are saying you will get them. Maybe not as soon as before with all thats going on. Another thing have you read the "stickys". If I remember correctly there is one on the subject of rebuilding and lists the BK friendly creditiors
Here ya go darlin'

http://www.bkforum.com/forumdisplay.php?f=10

[usmccop]

You'll get them the day after it is discharged. Don't take on any debt until it is discharged.

When I filed in the late 90's (Chap 7), I had good credit after 2 years. I got credit cards (not bad rates either) right after it discharged. I bought another home 2 years later at (5.5%). Keep in mind credit has obviously changed since them (meaning banks aren't putting out much due to this economical fiasco)

After discharge, I follow-up with my three credit reports and had everything updated (disputed) to show all of my debts were included in BK, discharged, and a balance of zero. I actually got a car a dumped just prior to my filing completely removed as the creditor filed to respond to my dispute within the 30 day limit.

After my discharge, I got a Captial One card and a HSBC card (18%
each) even though my BK included several of those accounts.

ALSO, if you had bad credit when you filed, a BK7 is actually good for your credit believe it or not. The creditors know you can't file again for years down the road.

Just get one or two cards after you file and pay on time and don't max out the balances.

[Logan]

I discharged in Sept. 08 and received my first offer about 8 months later.

[joaquin]

I get credit card offers but they are nothing that I am really interested in. I did however apply for Orchard and Hooters and I was approved for both of them. The only thing that I am getting in the mail daily are offers to finance a new car.