I filled bankruptcy jointly with my husband.. it was discharged in April of this year. (it was alot of medical, and some past bad debt) I have a reg. credit card now.... been paying as agreed.. more than the minimum, and before it is due. I checked my credit score, and it is still 597...my husbands is 647. I want to raise my score to the 650-700 by next year... Where should I go looking for credit? I was thinking like target or a big department store.. just not sure... Would they even think about giving me a card??
I have two other accounts that are in good standings still. One was a jewelery store, the other was a furniture store.. then of course this other credit card that I got after the bankruptcy.
To help build (or rebuild) a good credit history, it can be beneficial to get a secured credit card, the kind where you put up a security deposit and your credit limit is equal to that. You can use this to gradually rebuild a history of on-time payments that will be reported to the credit bureaus.
credit cards.com