Hello all, I have been on here for a couple days and have found lots of good information, but I think I have to get back to the basics. Here is my situation: discharged Ch7 BK in August 2007 and started disputing all information on CRs. At these scores I had 1 report (EX) almost completed and has since completed correcting. Judgments deleted, anything else either marked included in BK or deleted. Husbands were still being worked. Since EQ just marked everything as being included in BK, nothing deleted. Just got TU disputed this week, so the outcome is who knows right now.
10/09/2007 FICOs
self husband
EX 564 555
EQ 524 520
TU 534 481
Since receiving these scores, husbands report is now showing an auto loan in good standing for 4 months. Wells Fargo offered us a reaffirm agreement we couldn't pass up, took 9,000 off loan, cut interest from 13.5 to 8 %, cut payment by more than 50%. And we had a co-signer on it and they agreed to not pursue the co-signer for deficient amount.
We have tried appliying for credit cards to start raising the scores per the advise received from a credit repair speciallist recommended by a mortgage broker, using many recommendations from this site. All have been denials, except Orchard has offered a secured card, but they do not accept debit cards for the savings account, and are awaiting a response from Target.
So now I am stopping where I am at and asking for any good advise possible on where to go next. Our goal and the reason for filing BK was with the hopes of buying a house. And we need a score of 620 to do that. The sooner the better. We are in a lease until Feb so we want to start looking soon with the hopes of only having to move one last time.
Thank you to everyone who has been where I am and to anyone who may know anyone who is where I am or been there. It is greatly appreciated.
sinkerslingers
Message Edited by sinkerslingers on
10-25-2007 11:38 PM