Hi Wintersnow,
Welcome to forums!
It sounds like you guys are just about in the same position that I am.
I just made my last payment on my plan last month and am now waiting (patiently) for my discharge papers to arrive.
Firs thing I would do (if you haven't already) is pull you credit reports for you and DH and make sure they are correct. I have several accounts that aren't reported correctly for being IIB. I have been working on mine and it takes a little bit of time to get them all in sync.
Once you have that done, then you can start looking at your overall picture of balance of different credit. Sounds like you have the mortgage part down (Maybe try a GW letter for the one late you had), so now you should look into the CC's.
Once you have been discharged, know you scores, and make sure all info is correct on credit reports then you can start finding the right cards to start to rebuild credit for those. Check out the CC forum and the sticky for BK friendly cards.
Congrats on making to the end of you repayment plan!! You are one of the few people who actually complete a plan!!
Keep up the good work and post back any questions, successes, or just a woohoo message to let everyone know how its going!
Cheers!
creditrecovery
TU - 598
EX - 663
EQ - 664
p.s. myfico scores are the only real ficos available, but other sites like TC are good for monitoring (just not the scores).
Message Edited by creditrecovery on
10-13-2007 02:55 PM