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05-13-2017 05:34 PM
Trying to rebuild my credit after a Chapt 7 that was discharged March 17, 2017. Here is a breakdown of my rebuild so far:
--Capital One- $3000 approval 3/17
--Overstock- $2000 approval 3/17
--Jcrew- $500 approval 3/17
--AlliantCU - $500 Secure Loan approval 4/17
--Had a Chase and BofA credit card I was authorized user on (ex wifes accounts) removed from my reports that were reporting negative- Removed around end of March
I have yet to pull my actual credit reports, but have been watching CreditKarma, CreditWise, and Discover sites regularly since Discharge
Sample of Credit change via CreditKarma since Discharge-
--3/17 699 TransUnion 693 Equifax
--5/17 729 Transunion 725 Equifax
Should I consider pulling all of my actual credit reports at this point or wait longer? I used annualcreditreport.com to pull TransUnion in November for the bankruptcy lawyer before filing.
Should I use that same site to pull all three to see if anything still needs fixed and where I stand?
Can I still pull TransUnion and pay for it since pulled free in Nov for lawyer?
Will annualcreditreport.com reports also provide me with my real scores vs the fako ones I have been viewing? If not, where should I grab my reports from?
Any other suggestions/tips etc? Appreciate all the help these forums have offered me!
05-13-2017 07:09 PM - edited 05-13-2017 07:10 PM
Myfico has great reports for pulling credits and scores....but I am partial to credit check total. For $1 you get all 3 reports and scores and then you can cancel from thier automated line or contiue monthly monitoring.
Just a reminder that Credit Karma is not actual FICO scores but FAKO, which most lenders for credit will use FICO. But if you need mortgage scores, this is the only place to get your FICO mortgage score.
05-13-2017 11:53 PM
05-14-2017 12:07 AM
05-14-2017 09:11 AM
05-15-2017 06:49 PM
Signed up for CCT to see what was out there. Scores show 618 Exp / 598 Trans / 654 Equ. Two things I am unclear of as I review the reports on there:
Across the three reports noticed several accounts where two reports shows an account in Closed status and another Bureau states Open status. Some of these are accounts closed long before bankruptcy and others are accounts that were part of Bankruptcy. Should I worry about this and file a dispute for each under the Bureau that reflects it Open on CCT?
Depending on the report, there are between 5 and 7 accounts showing Closed- Included in Bankruptcy status but also reflecting Negative pay status over several months prior to my bankruptcy. Is it possible to dispute these to clear out the negative reports that show over about a years time leading up to my Filing?