I tried applying for a small personal secured loan, I was denied because of my bankruptcy. I cannot get a credit card without being charged out the nose for interest and "one time" start up fees of what, $100 or more... come on! And a secured card? Why would I want to put $200 in an account, so I could spend it and then have to pay interest on the money I already gave them when I could just keep that $200 in my checking account and pay cash for my needs. At this time, I have no delinquent credit marks on my reports, all I have are 3 public records (1 bk, 1 jdgmt, paid and 1 jdgmt, discharged). I work full time, pay all my bills on time, I am a different (older, wiser) person. But no one cares... I'll never how it feels to walk into a car dealership and actually treated fairly, nor will I know the joys of owning my home... I'm done belly-aching. Thanks for your eyes, I appreciate the vent.