Does 2 years really make that much difference in c... - myFICO® Forums

tboy1977 · ‎07-30-2012

I ask because my credit score is still under 500, even seventeen months after my BK was discharged. This whole credit thing is frustrating, but I want to buy a condo next year.

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: Julty 2019: TU - 655, EX - 619, EQ - 640
FICO Dream Scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 22% APR auto loan (Mar 2017), Secured [Coke (4000), Discover (1000)], Unsecured [CreditOne $1500, Walmart $150, Target $200], World Finance: $1500, Courtesy Finance: $700, Speedy Finance: $1200 (charged-off)

Anonymous · ‎07-30-2012

Do you have any credit now (credit cards, auto loan ect..)?

tboy1977 · ‎07-30-2012

I have five credit cards, CapOne and PNC I opened the same month as the BK discharge. And I opened NFCU 2/2012, Target (4/2012) and Coke (06/2012). I forget about Target because it is only $200 unsecured.

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: Julty 2019: TU - 655, EX - 619, EQ - 640
FICO Dream Scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 22% APR auto loan (Mar 2017), Secured [Coke (4000), Discover (1000)], Unsecured [CreditOne $1500, Walmart $150, Target $200], World Finance: $1500, Courtesy Finance: $700, Speedy Finance: $1200 (charged-off)

Does 2 years really make that much difference in credit scores?

Does 2 years really make that much difference in credit scores?

Re: Does 2 years really make that much difference in credit scores?

Re: Does 2 years really make that much difference in credit scores?

Does 2 years really make that much difference in credit scores?

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Does 2 years really make that much difference in credit scores?

Re: Does 2 years really make that much difference in credit scores?

Re: Does 2 years really make that much difference in credit scores?

Get your FICO Score for free