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  1. Well today is my one year anniversary of being discharged from Chp 13 bankruptcy. The good part is because of Creditboards, I now have $40k worth of available credit, two car loans (which I'm thinking about refi) and a few fantastic credit unions. To the newbies if you see this -- don't take offense to what these boards have to tell you and the responses to your questions I can guarantee you that most of their responses are right on point and are valuable advice. Oh and my just to share my own experience I got a little carried away with the shopping cart trick and got highly addicted to approvals, but I quickly came down off that ledge when I was declined for too many new accounts....so I'm still reading and working on rebuild, but the leaps and bounds I have made are awesome and I owe it to each and every contributor here. Just wanted to say thanks (and of course any more advice is always appreciated)!!! Now I will take my little self to the garden where I will remain probably until Christmas or even January 2015. Love you guys, Blqbutterfly
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