Hello Everyone. This is my 1st time posting. I have been a member here since 7/2012 and have logged more than 22 hrs reading posts & 1600+ posts read!. I have learned so much from all of you. Thank you Forums!!
Now I think it is time to come of of hiding.
Some history: I went through a BK7 & discharged 06/11. (Miserable about this & had to bite the bullet) Nothing in collections.
Oldest acct - 13+ yrs AAoA is showing 8 yrs. 9 baddies, youngest is from 2009. I believe 3 will fall off this year.
I did not check my FICO after the BK. I was too depressed, didn't need to go deeper.
In 7/12, 1 yr later, I opened a Cap1 secured w/ $49.00 and got $200.CL.
Checked my EQ at that point & was 648. TU 639.
In August 2012, I needed a car.(one month later) ( I have one 2004 car loan paid with one 30 day late on my report) That car died. So reluctantly with this score in hand I found a deal on a used car (2yrs old) and got financed through Chase. 9% OUCH, on 17k (I am laying in the bed) I pay my $303.00 mo. & add $97. principal each month. I pay 3 days prior to due date.
My cap one, I pretend I don't have. I pay for the services here at myFICO thru the card & auto pay. I got a $100 cli a few months ago, I did not ask, it just appeared. I am keeping my use to 7-10%.
I applied for a unsecured Cap1 last week, & approved for $1000.00. It's in the mail. Also last week I tried the web store CC trick. With VS. I got a $500.00cl. Good thing I love the store.
So I am gardening.
Current Score is : EQ 684 (stayed the same this week) & TU 657. (dropped this week)
I will not apply for ANYTHING for the year.
So my new best credit friends, what can I do to keep up & improve? Should I write GW letters? What do I say? "My EX-husband of 18 yrs killed all the man cards I had opened??? Notice all the others were perfect?" ... I own the problems. They are accurate.
The BK7 is there so is it even worth it to write letters? I feel like I am in prison for the next 8 yrs 6mo.
Any advice is more than appricated!