Does anyone know what happens in the cases of reaffirmation? When I file, I will be reaffirming my 1st and 2nd mortgages and my car loan. Since those will still be active tradelines on my credit report, I really shouldn't need to apply for a CC to start re-establishing credit, correct? I would think that having 3 loans out there still, with 0 negatives on them would be "building credit". Any thoughts?
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