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OK Experts....What now?

Valued Member

OK Experts....What now?

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?

 

Message 1 of 5
4 REPLIES
Established Contributor

Re: OK Experts....What now?

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).

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.
Message 2 of 5
Valued Member

Re: OK Experts....What now?

No, I didn't know there was such a thing. Thanks! 

Message 3 of 5
Established Contributor

Re: OK Experts....What now?

Really?  Here's the link:

 

http://ficoforums.myfico.com/t5/Bankruptcy/UPDATED-HOW-TO-From-BK7-discharge-to-700-in-24-months-or-...

 

This one is good, too:

 

http://ficoforums.myfico.com/t5/Bankruptcy/Something-ALL-of-us-BK-people-need-to-remember/m-p/228491...

 

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of Late January 2016 All 700+. Last CR pull from a lender(housing) was mid-score 749.
Goal Score: 700+ - reached.
Message 4 of 5
Highlighted
Valued Member

Re: OK Experts....What now?

Got it!

Message 5 of 5