01-24-2013 09:07 AM
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!
01-26-2013 05:18 AM
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