So after a long year and mayb 9 months, I am up from about 590 and 600 to 670 for tu and eq!! AND, most of my baddies are falling off in 8 months, so then I will be over 700! It took a little longer than other people, but I hve a BK, a collection and a tax lien.
Yeah, after BK, it is NOT just time. I wasted three years thinking time would heal it. You have to get new credit and keet it at 10%. Not bad though, 670 after a year and a half. I see people do that in a month, but I don;t think they had a bk and tax lien and 8 baddies.
Yeah I do not have a bk just had a few charges offs and got way behind on student loans. But I have been rehabing them so in a few months they will no longer be in default.