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I files for BK7 June 19, 2014 due to my divorce, found this forum in Febuary of 2015. I read alot, too ashamed to contribute, start rebuilding my credit around that time when it was 558. I'm so happy and proud today when I check my fico score.....705.....Can't wait until June to start hunting for a home to call my own.
Welcome to the forums. I understand your feelings, but remember, those of us who hang out in the channel have been there too. You must have done something right to get to over 700. Care to share some of your hints and tricks?
I'm not sure if there are any tricks that I did, pretty much just read the credit card forum and applied for a bunch of them, keep the balance low, I have a balance on 3 out of 10 credit cards, my utilization is around 5%, I pay them off religiously, almost every 2 weeks when I get paid and put everything on it. I also took out a loan for a car loan which I think help my score further.
to be honest with you, when I start out in Feb 2015 I was hoping for 640 at best, I'm just happy and suprised that it got up that high, my score rigth now:
TU: 683, exp: 705 and eq: 712.
Excellent progress! Way to go! And don't worry, those of us in this forum have been through it or are going through and there is no shame in it. Sometimes things just happen.
Congrats!!! I know for myself, this community has been invaluable. I felt ashamed when I file for CH 13 due to divorce. It was like a double whammy to the ego - marriage failed, had to file CH13 because she filed CH 7. This community has really helped me get to better mental and financial place.