Subject says it all LOL
For those who don't know me, I filed for BK7 last March 2015 which ws fully discharged June 2015. My current FICO scores are:
EX: 634
TU: 603
EQ: 746 <---Never mind that! It's been yo-yoing but it should be 639 from last reporting
Yes, I'm still paying on time, keeping my UTi no more 30%, etc...
I just want to get to that "Good" credit theresold sometimes in 2016 and then go from there 
I'm happy that my GF already is in "Good" credit zone 660-688 scores (never filed for BK thou') I know some of recent BK filers (around the same time as me) got better scores now 660+ so that's why I'm hoping to reach that milestone sooner.
Oh one more thing....
Merry Christmas/Happy Holidays! Here's hoping all of us credit rebuilders gets a better year 2016! 
@Anonymous wrote:Subject says it all LOL
For those who don't know me, I filed for BK7 last March 2015 which ws fully discharged June 2015. My current FICO scores are:
EX: 634
TU: 603
EQ: 746 <---Never mind that! It's been yo-yoing but it should be 639 from last reporting
Yes, I'm still paying on time, keeping my UTi no more 30%, etc...
I just want to get to that "Good" credit theresold sometimes in 2016 and then go from there
Oh one more thing....
Merry Christmas/Happy Holidays! Here's hoping all of us credit rebuilders gets a better year 2016!
Merry Xmas. Never BK'd, but messed up my credit royally 5-6 years ago. When I got on forum in January my TU was 611, EQ and EX were much worse, but don't remember the scores. I'm done applying for the next 6-9 months. The secured cards helped me. What still hurts my scores is the last collection still on my report, the lates I had 4 years ago, and not getting my UTI under 10%. Have to admit that I had to buy new furniture this December, so my UTI went from 11% to 14%, so I won't get my UTI under 10% until March. Be very strategic in regards to what cards you apply for; my score might be higher if I hadn't fallen into the SCT trap. Some people don't recommend getting store cards, but I find benefit in the one's I have and I use all of them, and some provide good padding for me, especially as I am rebuiding also. You have 3 tradelines, so only other thing is an installment loan to achieve maximum FICO scoring along with 1 card reporting less than 10%.
@Anonymous wrote:
@Anonymous wrote:Subject says it all LOL
For those who don't know me, I filed for BK7 last March 2015 which ws fully discharged June 2015. My current FICO scores are:
EX: 634
TU: 603
EQ: 746 <---Never mind that! It's been yo-yoing but it should be 639 from last reporting
Yes, I'm still paying on time, keeping my UTi no more 30%, etc...
I just want to get to that "Good" credit theresold sometimes in 2016 and then go from there
Oh one more thing....
Merry Christmas/Happy Holidays! Here's hoping all of us credit rebuilders gets a better year 2016!
Merry Xmas. Never BK'd, but messed up my credit royally 5-6 years ago. When I got on forum in January my TU was 611, EQ and EX were much worse, but don't remember the scores. I'm done applying for the next 6-9 months. The secured cards helped me. What still hurts my scores is the last collection still on my report, the lates I had 4 years ago, and not getting my UTI under 10%. Have to admit that I had to buy new furniture this December, so my UTI went from 11% to 14%, so I won't get my UTI under 10% until March. Be very strategic in regards to what cards you apply for; my score might be higher if I hadn't fallen into the SCT trap. Some people don't recommend getting store cards, but I find benefit in the one's I have and I use all of them, and some provide good padding for me, especially as I am rebuiding also. You have 3 tradelines, so only other thing is an installment loan to achieve maximum FICO scoring along with 1 card reporting less than 10%.
Thank you KayKay. I actually have 4 TLs (PLUS loan for my kid's college that was included in BK but paying monthly depite it's in Deferment till May 2016.
What's SCT?
I know people don't recommend store cards as I don't want them either.
Cheers!
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Subject says it all LOL
For those who don't know me, I filed for BK7 last March 2015 which ws fully discharged June 2015. My current FICO scores are:
EX: 634
TU: 603
EQ: 746 <---Never mind that! It's been yo-yoing but it should be 639 from last reporting
Yes, I'm still paying on time, keeping my UTi no more 30%, etc...
I just want to get to that "Good" credit theresold sometimes in 2016 and then go from there
Oh one more thing....
Merry Christmas/Happy Holidays! Here's hoping all of us credit rebuilders gets a better year 2016!
Merry Xmas. Never BK'd, but messed up my credit royally 5-6 years ago. When I got on forum in January my TU was 611, EQ and EX were much worse, but don't remember the scores. I'm done applying for the next 6-9 months. The secured cards helped me. What still hurts my scores is the last collection still on my report, the lates I had 4 years ago, and not getting my UTI under 10%. Have to admit that I had to buy new furniture this December, so my UTI went from 11% to 14%, so I won't get my UTI under 10% until March. Be very strategic in regards to what cards you apply for; my score might be higher if I hadn't fallen into the SCT trap. Some people don't recommend getting store cards, but I find benefit in the one's I have and I use all of them, and some provide good padding for me, especially as I am rebuiding also. You have 3 tradelines, so only other thing is an installment loan to achieve maximum FICO scoring along with 1 card reporting less than 10%.
Thank you KayKay. I actually have 4 TLs (PLUS loan for my kid's college that was included in BK but paying monthly depite it's in Deferment till May 2016.
What's SCT?
I know people don't recommend store cards as I don't want them either.
Cheers!
Shopping Cart Trick
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Subject says it all LOL
For those who don't know me, I filed for BK7 last March 2015 which ws fully discharged June 2015. My current FICO scores are:
EX: 634
TU: 603
EQ: 746 <---Never mind that! It's been yo-yoing but it should be 639 from last reporting
Yes, I'm still paying on time, keeping my UTi no more 30%, etc...
I just want to get to that "Good" credit theresold sometimes in 2016 and then go from there
Oh one more thing....
Merry Christmas/Happy Holidays! Here's hoping all of us credit rebuilders gets a better year 2016!
Merry Xmas. Never BK'd, but messed up my credit royally 5-6 years ago. When I got on forum in January my TU was 611, EQ and EX were much worse, but don't remember the scores. I'm done applying for the next 6-9 months. The secured cards helped me. What still hurts my scores is the last collection still on my report, the lates I had 4 years ago, and not getting my UTI under 10%. Have to admit that I had to buy new furniture this December, so my UTI went from 11% to 14%, so I won't get my UTI under 10% until March. Be very strategic in regards to what cards you apply for; my score might be higher if I hadn't fallen into the SCT trap. Some people don't recommend getting store cards, but I find benefit in the one's I have and I use all of them, and some provide good padding for me, especially as I am rebuiding also. You have 3 tradelines, so only other thing is an installment loan to achieve maximum FICO scoring along with 1 card reporting less than 10%.
Thank you KayKay. I actually have 4 TLs (PLUS loan for my kid's college that was included in BK but paying monthly depite it's in Deferment till May 2016.
What's SCT?
I know people don't recommend store cards as I don't want them either.
Cheers!
Then you're on the right track. Keeping UTI down seems to be the only thing for you to do. Happy New Year.
@gdale6 wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Subject says it all LOL
For those who don't know me, I filed for BK7 last March 2015 which ws fully discharged June 2015. My current FICO scores are:
EX: 634
TU: 603
EQ: 746 <---Never mind that! It's been yo-yoing but it should be 639 from last reporting
Yes, I'm still paying on time, keeping my UTi no more 30%, etc...
I just want to get to that "Good" credit theresold sometimes in 2016 and then go from there
Oh one more thing....
Merry Christmas/Happy Holidays! Here's hoping all of us credit rebuilders gets a better year 2016!
Merry Xmas. Never BK'd, but messed up my credit royally 5-6 years ago. When I got on forum in January my TU was 611, EQ and EX were much worse, but don't remember the scores. I'm done applying for the next 6-9 months. The secured cards helped me. What still hurts my scores is the last collection still on my report, the lates I had 4 years ago, and not getting my UTI under 10%. Have to admit that I had to buy new furniture this December, so my UTI went from 11% to 14%, so I won't get my UTI under 10% until March. Be very strategic in regards to what cards you apply for; my score might be higher if I hadn't fallen into the SCT trap. Some people don't recommend getting store cards, but I find benefit in the one's I have and I use all of them, and some provide good padding for me, especially as I am rebuiding also. You have 3 tradelines, so only other thing is an installment loan to achieve maximum FICO scoring along with 1 card reporting less than 10%.
Thank you KayKay. I actually have 4 TLs (PLUS loan for my kid's college that was included in BK but paying monthly depite it's in Deferment till May 2016.
What's SCT?
I know people don't recommend store cards as I don't want them either.
Cheers!
Shopping Cart Trick
Thanks gdale for the link and I'll bookmark it for future references