Made some progress - what next??

[goheels]

Hello all. I've been patiently plugging along but once again need some advice. I think it's about time to try for more credit, but I don't know where to go from here. Perhaps an app spree is in order, but I'm worried about a bunch of inquiries affecting my chances of obtaining a mortgage within the next two years. Maybe it's just a couple apps and otherwise concentrate on cleaning up reports. Help?

 

 

Ch7 BK filed 3.14.11, discharged 6.20.11. Included PenFed , Citi, Barclay, CapOne, Chase, and HSBC.

 

So far I have the following accounts, at 0% utilization at the moment:

NFCU Secured Visa $1,000 Cash Rewards Visa Signature $15,000 (12.1.11) [WOO-HOO!]

UMe FCU Secured Visa $1000 (6.1.12) [Eligible to apply to un-secure at 1 year]

NFCU Auto Refi (6.1.12)

NFCU LoC $1,000 (6.1.12)

Dell Preferred $2,000 (6.1.12)

 

Current scores, according to USAA/Experian CreditCheck Monitoring:

EX 672

EQ 672

TU 643

 

Many thanks to anyone who'd like to chime in.

[BDK]

Walmart

[goheels]

Walmart denied me back in June '12, which was about a year post discharge. I had a card with them years ago. Never really used it and eventually they closed it. Positive though. You think it's worth trying again?

[BDK]

I do, if it is something that you could use.