08-26-2013 11:06 AM
Filed for Ch7 back in March. Discharged in July.
Established two credit cards with Cap 1
Bought a used car with Americredit (horrible rate but I can live with it)
Disputed all inaccuracies (and then some) on all 3 CRAs
Everything on time.
Credit score still hanging just below 600.
Any ideas that I haven't thought of to rebuild score?
08-26-2013 11:25 AM
Have you read the 7 to 700 guide yet? You need to give it some time now. You'll make your next move in 6mo. (Assuming the car is reporting to all 3 CRAs, skip the Credit Builder loan).
08-26-2013 12:00 PM - edited 08-26-2013 12:01 PM
Really? Here's the link:
This one is good, too:
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO