Hello all, my name is Skyler Erp, New to the forums. My scores are (credit karma) 544( I know it's a fako) credit sesame is 607( I know it's a fako) and my Equifax on here is a 576. My wife and I filed bankruptcy earlier this year, it has been diachagred. Right after my 341 hearing my attorney told me to apply for a secured credit cars, so I did and got approved through capital one for 200$. I've also paid all my payments early and on time. It came Down to it and we needed new cars (expanding our family) so I got approved for 2 vehicles totaling about 26,000 and my monthly mayments are reasonable. I plan on refinancing at the start of the year or maybe March, with 2000 down with the new company. My question is, what would you guys suggest I do from here. We are wanting to buy a house with a FHA loan in about 2 years which puts us in the required time after bankruptcy. I would like to get my fico score to atleadt a 650. Thanks in advance.
