@Anonymous wrote:
For us to beable to help you, we would need to know your scores, any open cards you have, any baddies you have, etc.
Sorry, I should have put that. My TransUnion is 616. I do not have my others, but will get them within the next month or so. Currently I have eight cards open with credit limits ranging from $5,000 (Navy Federal Credit Union) to $300 (Capital One). In addition I also have $1,500 in a line of credit from NFCU. The total available credit that I have is $15,000 and, as of last month, my usage is at 21%. This month it will be lower because I paid off one card which was about $2,200. With the exception of my bankruptcy I do not have any negative remarks. Although two accounts I included in bankruptcy are showing on credit report in collections. I am trying to get that resolved however. Since my bankruptcy I do not make the minimum payment on anything, I always pay more. For example if I have a $25 minimum payment I will pay $100 or more. Does that make a difference on my report that I pay more? I think this is everything, but if you need more information I will try and give it to you. Thank you timothylee! I am attempting to rebuild my credit and it is difficult because it seems that no one is giving out credit anymore. Oh, I do have two $500 cards that show as secured from PNC and First Bankcard. Those do carry a $0 balance however.
