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i filed bankruptcy 2 years ago this month. My TU=621 EXP=573 EQ=636, pretty wide ranges. I bought a car and paid the 19% interest rate for a year before i traded in for a nicer car at 6% interest rate. The dealership paid off the first loan and within the last two years i have never been late on a car payment. But this car payment is the only line of credit i have. I have a credit card issued to me but it is my wife's credit card. (i just piggy back i guess is what it is called). I make good money as well as my wife.. We don't need more credit necessarily at this moment but our home and cell phones everything (except my car) is in her name. A lot of pressure... Any suggestions on what i should do next to build my credit so not everything falls on her...???
@Countingpennies wrote:
Here's a good place to start:
http://ficoforums.myfico.com/t5/Bankruptcy/UPDATED-HOW-TO-From-BK7-discharge-to-700-in-24-months-or-...
+1
You're a bit behind the curve, but there's no reason you can't start that plan now... skip the part about the "Credit Builder Loan", your car payment covers that section.
-SM