I am 3 years removed from a discharged chap. 7 and released state tax lean. I have opened 3 CC's, a credit builder loan, rehabbed student loans and an auto loan. I have keep utilization very low on one card while using and keeping zero balances on the other two. Two of my accounts have just turned 1 year old this month. My scores are fico equifax 647, fico transunion 698, and credit union pull experian 688. What can I do to raise these scores over 700? Is this even possible until the chap 7 and tax go away? Help.
