Hi, this is my first time here, very informative forum.
Ch 7 BK discharged 7/07. Cleaned up all three reports, got First Premier unsecured card $450 & Target Red card $300, keep 10-20% balance on both to establish payment histroy, have paid more than minimum payment every month. No other debt, everything listed correctly on all three reports. Trans Union FICO is 636, I think that is my middle score, don't want to pay for all three just yet. Ultimate goal is buying a house at some point next year, so I want my score to be 720 at least. Thinking about getting car loan ($14-16000) in the next few months, would it help my credit? I can easily afford the payment, but I can also continue to share car with hubby if need be. What else should I be doing besides keep paying credit cards on time?
Thanks!
