Hi all, Sorry for the length up front! Just lurking this forum and see some really good advice so I was wondering what you all would recommend in my situation. My scores are TU 662, EQ 643, and Experian 654. I was married for a while and at that time we filed bankruptcy, this was back in 1999. I've been divorced for about 3-4 years now and my ex got a house and new car etc, but it seems I am in a credit pit so I dont know how she managed to get these things whereas I am struggling. Since then I've worked to keep things in check and had a few slip ups (late payments getting too much credit), now I am in "fanatical" mode to get my debt paid and cleared which I am hoping will up my scores. I will be in need of a new car very soon but am trying to delay that til early 2008, but that'll be a stretch. I am just tired of debt and fed up. As well, I am seeing new notes on my reports from Myfico.com that I am not sure of and hope that someone can clarify. The bad.... -You have a public record and a serious delinquency on your credit report.-Bankruptcy I get that -You've made heavy use of your available revolving credit.-Too much use of credit I get this as well -You have a short credit history.--This is where I start to get confused as one of my "good points" on another report is "You have an established credit history." (13 years) -The remaining balance on your non-mortgage installment loans is too high.--Don't quite get this I have a Student Loan I have been paying the monthly payments on on time and per the requirement minimum payments (I did defer this a few times though) --You have multiple accounts showing missed payments or derogatory descriptions.--I don't get this one either it shows 3 accounts, but when I look at them they are showing 1 past due from 2002 or 2003. I have one account where I was at 30 day and 60 day recently (Dec 2005 and Jan 2006). I revolve about $7,347, have no mortgage (don't own a home never have yet) and have $5,467 in installment loans. I don't expect a "magic" pill but would love some guidance on the best way to tackle this. I am trying to throw as much money to my debt as possible and have one card I pay off each month. Thanks in advance!
Ch 13 Filed - Apr 02, 2018
Last Payment Made - March 10th, 2023
Discharge - 5/16/23
FICO 8 Scores as of 5/17/23 - EQ - 659, TU - 600, EX - 670
8/17/23 - FICO 8 Scores EQ - 716, TU - 725, EX - 721