Re: Bankruptcy FAQs

rockthisscore — Sat, 14 May 2011 05:31:40 GMT

I filed BK in 8/2008. A couple of the credit cards included in the bankruptcy still have late payments and key derogatories on my credit report. Is this allowed? I was under the impression that once it was included in bankruptcy the payment information was gone and only the fact that it was included in bankruptcy remained.

any insight into what i should do is greatly appreicated!

Re: Take the FICO Fitness Challenge for 2011!

rockthisscore — Sun, 24 Apr 2011 17:40:16 GMT

1. Your FICO score goal for 2011 = 750

2. Your current FICO score(s) = 679 Experian (in January)

3. The steps you plan to take to achieve your goal = Rebounding from a 2008 bankruptcy, I just got my first credit card since from McGraw Hill (no fees!). I will use it each month and pay it each month. I'm also paying my student loans on time and hoping to pay off the smaller one ($3,800). The larger one is overwhelming ($42,000), so I'll just pay as agreed with a marathon mindset. Other than that, I found one thing to contest on the one report I pulled. I will pull the other two and then contest all at once if the mistake is across the board. I will also never close the McGraw cc and will re-apply for another one in July. Note - the credit report reviewer suggested that I focus on non-store credit cards, as they will help my score in less time than the store cards.

*I found McGraw Hill cc through this site. They work with Balance, so if you get the McGraw cc, you get a free credit report review with Balance, which was helpful in understanding my report and determining if there were mistakes...

**Lastly, how are y'all monitoring your scores on all 3 reports. There seem to be so many options on this site. I'd love to pay a flat or monthly fee and have the reports automatically pulled and sent to me. Suggestions?

Thanks....and lets R.O.C.K. this! C'mon 750!

rockthisscore Tracker

Re: Bankruptcy FAQs

Re: Take the FICO Fitness Challenge for 2011!