Credit Card Center Advertiser Disclosure†
04-16-2013 03:36 PM
04-18-2013 08:18 AM
04-18-2013 06:31 PM
04-28-2013 08:32 PM
I have been trying to clean up my credit report as well. I have managed to get quite a few items cleaned up. I spoke with a rep from Experian, and they told me that they automatically take off any judements once their has been a bankruptcy. I have also tried to dispute 3 accounts that are open collections, but say that they are reporting correctly as discharged in Bankruptcy.
Since Bankruptcy ( discharged in October 2012) I have gotten Cap One ( 300 CL) Credit One (300 CL) Finger Hut ( 230 CL) and RC Willey (500 CL)
I have 2 secured loans ( 500 for Each one) and a Car Loan.
I am currently looking for just one more card or account to build my credit. I have used these accounts responsibly and am I in a perfect financial situation to be able to garden and pay off now. Anyone know what store card that I am able to get after bankruptcy?
05-01-2013 07:31 AM
Funny my discharge was also last year on around June 2012 and almost have the same credit cards as you. Store cards have been somewhat difficult to acquire for me. My recommendation is to get a higher credit card limit either Cap One Cash Rewards or Navy Federal which are both BK friendly. For what it seems you been doing great with teh secured loans (which I also did) and the small credit card to build new history.Keep it up!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.