Hello,love this forum,great information. This is my scenario... My credit scores are from 665 to 685 on my fico.. Paying bills on time with no lates since discharged fro Ch 13 on 8/2006... Have a mortgage with high interest rate and 2 personal loans with 1 being paid off today. I have no credit cards. Question??? When my Ch 13 comes off my credit report in 3 months will i see a jump in my credit scores? Im refinancing in sept of this year for a better mortgage rate. Would applying for a credit card now raise my scores up any in Sept of this year? Thanks
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