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NEED ADVICE !!!

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baseballmom83
New Member

NEED ADVICE !!!

Just coming out of a chapter 7, my credit is in need of repair !!! My Fico on here is horrible, 489 Smiley Sad

but what I don't understand is free credit report.com shows a score of 600, then credit karma shows a score of 573. Which is transunion I believe. Why is their such a big difference in scores. How can I boost my score. All I have right now is a 300 capital one platinum. I just made my first payment, on time I might add, and I am looking for other ways to rebuild. I want to buy a house in a few years. Any advice ?????

Message 1 of 3
2 REPLIES 2
Shogun
Moderator Emeritus

Re: NEED ADVICE !!!

First off, nobody used those scores.  So don't fret about that.  You have a way to go in rebuilding so I wouldn't worry about scores at all.  I'd work on rebuilding.

 

You need a couple more cards to grow.  Maybe a couple more secured cards and garden them well.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 3
bdhu2001
Valued Contributor

Re: NEED ADVICE !!!


@Shogun wrote:

First off, nobody used those scores.  So don't fret about that.  You have a way to go in rebuilding so I wouldn't worry about scores at all.  I'd work on rebuilding.

 

You need a couple more cards to grow.  Maybe a couple more secured cards and garden them well.


+1

Original Mortgage maturity Sept 2044; Refi maturity Dec 2030
Starting Score: EX 751 EQ 720 TU 737 on 4/9/14
Current Score: EX 849 EQ 835 TU 843
Goal Score: 850


Take the myFICO Fitness Challenge
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