Hmm... I need to find out myself. I don't know what is the answer. I'll do some research in Google and get back to you if I got an answer. You should email the people at Discover Card as they probably could assist you..

I doubt they are hurting your score in anyway. As long as they show IIB and zero owed, they should be reporting correctly..

Two years post bankruptcy how has the re-building been? I'd concentrate more on that now if it were me...

Since the bankruptcy I've only had some small success:.

Chase = $3000.

Capital One = $3500.

Kay Jewelers = $3000.

Capital One Healthcare = $4400 (This was a loan for LASIK, with 0% interest for 12 months. I PIF after 10 months to avoid any interest.).

Other than those, I've been denied for everything else I've applied for...

How much do you owe on those accounts? How old are they? Have you looked at your actual FICO scores from MYFICO.COM If you have Kay you can also get JB Robinson that will help your overall Util. they share the limit so you dont have more to spend, but on your reports it looks like you have more $$ avail..

I use the Chase & Capital One cards a lot, but PIF each month. I am wondering if that is hurting me? I've never carried a balance on either of them. The Kay card, well I just bought a ring for $700 at Christmas with their 0% interest for 6 months, but I was going to pay it off in February. Is that a smart move or should I just make the monthly payments for a few months?.

Any idea on how I go about getting the JB Robinson card? Do I just apply for it like it's another card, or do I do something else since I already have the Kay card?.

Should I try to get a secured loan through the bank so I can show more payments? I have some money in savings, so that shouldn't be a problem to do if it would help...

If you want to show usage on the account, I would pay it down to $299(<10%) asap and then make small payments and PIF on 5th or 6th bill(whenever promo run out)..

Go to.

Http://www.jbrobinson.com.

To apply for the JB Robinson card, then you might want to go for Jared while you're at it (.

Http://www.jared.com.

) and then you'll have the trifecta (Kay, JB Robinson, Jared)..

The limits will most likely match your Kay limit and will really help your util. Just remember, even though the accounts will.

Share.

The $3000 limit, it will report as $9000. They're all owned by Sterling, so if you get one, you are almost certain to get all three. (They also own Marks & Morgan, Osterman and others, but three should be plenty for what you need them for.) Btw, JB Robinson will do a manual pull and give you a 7-10 day message, but don't be disheartened; they do that to everybody..

If you apply, let us know how it goes!.

P.S. An installment loan thrown into the mix might help. It's my understanding that lenders want to see a mix of credit types, and an installment loan could be very useful if you apply for an auto loan in the future..

This post has been edited by.

Elizabeth_Speaking.

: 02 January 2010 - 05:42 AM..