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Rebuilding after Chap 13 discharge?
I went through a divorce and lost a business in 2007, forcing me to file for chapter 13. Business loss resulted in a Fed tax lien, which was filed in 2011 and released (paid in full) in 2012. The BK was discharged in Feb 2013, however a few accounts remain on file, showing (BK-13). I have a mortgage, just paid off my car, and have a secured card with little use, as I pay off the $1-200, monthly. Limit of $700. I have an income of >$100k, and no other outstanding debt. I am currently in the process of refinancing my house, and would like to raise my scores. Currently my middle score is 716, as the banker has told me. Looking for some advise? Scared to apply for some of these cards out there, as the reviews are terrible. CK has recommended the Barclay MC, but it looks troublesome, from what I have read. Any suggestions?

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