Hello, I'm new to the sight and this is my first posting. I had bankruptcy in 2008. (Not proud) Anyways, since then I've disputed negative credit reports and established positive credit w/ credit building loans and a new car loan. We've never paid late and all accounts are current. Debt to income ratio is extremely low, low credit card balances and we've done everything correct. My median FICO score is still only 625! What in God's name can keep it that low 3 years after a bankruptcy? I was expecting 660 or something. Please help. We'd like to build a home but I don't want to have a huge interest rate due to bad credit.