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I have read on here by other posters to switch between cards every 3 months, so use 1 card for 3 months of course paying it off each month, then put in a drawer then use a diff card the same way etc. So your saying to never have cards with a $0 balance at all?
Way to go!!!!!
@Anonymous wrote:
Absolutely start rebuilding your credit the day of your discharge.( provided your trustee has not put any limits on you.... It can void your bankruptcy.) Ask you attorney. I cried my self to sleep thinking about filing..then I cried my self to sleep asking why I didn't do it earlier.
Credit on Sept 2013 the day of discharge.
Eq 589 / TU 569 / Ex 585
Today
EQ 761 / TU 756 / Ex 752
Be smart.. Never carry a balance of $0.
If your card closes on the 18th. It will be due on the 12th. It reports on the 7th then you pay on the 8th. This way you carry a "reporting" balance but still never pay interest. I always report 7% balance. Nothing more. Nothing less!!!!! It is a pain but it has worked for me. I hope this helps someone. BK is absolutely frightening. Im 6'3" 235lbs. It brought me to my knees!!! But there is hope. Hang in there!!! Just remember this one thing. Your Fico is a credit score..not a debt score.. If you don't show how you manage credit your score will see very little movement. USE your cards and let it show. $0 reported balance means 0 activity to the computing formula. Good luck. YOU CAN DO THIS!!!
This, by far, has to be the best and still a little hard, tip to date for repairing credit! Thank you! I am trying to get all of my due dates the same or very close together. In the interim, I am using this method of using maybe 3 cards, then rotating.