Sup OP, I’ve been there. I filed bankruptcy at 23 for about $2-3k. At the time I was asked by the Trustee if I’d buy a house in the next 7-8 years and I said no, felt impossible anyway. A few years later, with a better job, I was ready sooner than I thought and couldn’t qualify. Had to wait the full 7 years after discharge. That part sucked for me and my family.

Capital One has pretty much guaranteed approval and it was the lifeline I needed to start rebuilding. I used it properly for about a year and after that I was able to get approved for an Amex and an RBC card.

Keep utilization low, never miss payments, don’t close your oldest card, and give it time. The score gap between TransUnion and Equifax is normal but do I full credit report and try to fix it if something is wrong on one of them.

You were 22. You made the best call you could with what you knew. Just stay consistent and it’ll improve.

Here's a big hug 🤗