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Established Member
Posts: 32
Registered: ‎01-07-2012
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What should my next move be???

Okay before I start my little story and ask for help Thanks for taking your time to read this. I have read soooo many of the posts here and they have really helped. Im just at a loss on what should be my next move.

    7/2009 Filed BK Smiley Sad

    1/2011-5/2012  was approved for a few CC  with a couple increases have highest CC to $900 and a couple to $750

    1/8/2013 pulled Trans and Equifax reports. There is a female  that is only 1 year and 3 days older than me that had the same First and last name as me that was from the same city I was born in and her SS was the same as mine but the last 2 were backwards. Crazy Right!!!!!!  I have been fighting with that for years!!!  Last night I sat down and  called in and removed all of her stuff again from my reports I did the EX a few months ago. I dont have any collections other than things that say IIB I have a couple small pay day loans that show Paid as agreed and  a couple other things tht say that as well. I do have 1 item that  says paid in full for lower amount. I know I can try to GW that.

SCORES:   On  Credit Karma my score is 585, on the experian site my score is 645, on my merrick bank cc free score thing my score is 637 and last my Credit one bank free score is 627. I know they are not the real score but it gives you an idea.

 I just got into a lease on my house where I rent with option to buy after the first year.  We pay rent through Clear Now  and it reports to 2 or the 3 CB to help build my credit before  I try to go get a home loan.  My question is what do I do next? I need to build my credit score up a little more and I have 11 months to do it. If you were me what would you do??

BK7 7/2009 EQ512
7/2015 CK 402??? Walmart TU 653
Goal: 675 Across the board!!!!
Cap1 850/ Cap1 Biz 850/ Sony 600/ Journey 850/ Merrick 1100/ RRFCU 500/ Credit1 1100/ Cap1 was Orchard 750/ FP 300/ Firestone 2000/ Walmart 600/ Barclay NFL 500/ Maurices 1660/ Kays 4300/ Amazon 300/ Paypal Smart Connect 500/ Bealls 1000/ Summit Raching 1500/ Lane Bryant 900/ Target 800/ Catherines 1100/ Old Navy 200/ Overstock 3200
Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
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Re: What should my next move be???

You will need to know your FICO scores if possible.  You can get an EQ and a TU here.  I say that because CK is over 80 points lower than my actual FICO.  Keep doing what you're doing now.  Pay on time, look for any baddies on your report.

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.

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