Question...

[MarineVietVet]

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@ryan3650 wrote:

Not planning any applications for a while.  I was thinking of trying to get a mortgage back in February but I decided to rent and work on my credit for a while.  I can definitely keep doing what I am doing, if you think the score will rise over time.  Thanks marinevet

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But also work on getting those negatives removed. I think that's definitely worth the time and effort.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[mauve]

Ryan, check out the BK boards - they have a guide to cards that you can get with lower credit scores called "BK friendly cards".  What I recommend is avoiding cards with annual fees - there's probably some that will take you with your current scores.  Another good resource is whogavemecredit.com, but try to look for the most recent info.