Looking for some advice

[Raymoondo101]

Hello Everyone,

Long time lerker around here. Just started posting on the forums recently. Just looking for some advice on my credit. I am looking to buy a house within 5 years (if possible). Here is what my credit report is looking like.

Chapter 7 Bankruptcy 

Discharged Feb. 2012

19 accounts included in bankruptcy

Approx Falloff dates 2017-2018

Current cards

Capital One             $500

Credit One               $650

Reward Zone MC   $500

Target                       $200

Walmart                    $700

JC Penny                 $500

J Crew                      $250

HSN                          $700

Barclays Rewards  $1300

Dell                           $3000

AAOA - 1 year (CK)

Util - 33% Should have it down by December

Income - $40k

CK is showing at 668

Thank you in advance for any advice given!!

[KoolDev]

Been 17 years since i bought mine lol.  Utilization lowering will be your fastest way to increase your score.  I dont know how it is now but back when i got mine, the loan agents for a mortgage did not want to see that you had too much credit available to go spending, running up debt.  It scares them that you will end up having a hard time paying them back. 

Before i was able to really start on my credit repair, i had to start with the Eq site and here.  I have spent hours reading this forum, old post etc.  There is a wealth of knowledge and the advice here can really help you on your way.