My husband filed bankruptcy in 2010. It was discharged in March 2011. He has 2 credit cards (credit one & merrick bank), both 2 years old. Utilization is minimal. His car loan is 3 yrs old (almost paid off). He also has a GE Capital account that he paid off last year. His score had been stuck around 675 for a months. I got him a walmart card the end of November and his score went down. It hurt his AAoA. Reasons for his scores refer to the BK and short AAoA. I think he had closed accounts fall off which hurt his AAoA because he had a very long and very good credit history prior to the BK.
What steps can we do just to get his score back over 700 where it used to be?
