Re: 2 years after bankruptcy chapter 7 and fico score 623
it doesn't hurt to challenge some items in your report, especially collections of the past that were there before the discharge.
also, make sure all the discharged accounts have a $0 balance and says included in bk.
make sure there are no duplicates of accounts, like two collections collecting for the same account.
re-builder cards, like granny said, to be kept in good standing for about 6 months to a year. don't use more than a third of the available credit so that you'll have good utilization and your scores will go up instead of down.
once you have about 2 or three accounts in good standing for about a year, then that should give you a boost.