Robert thanks for the response. In a nutshell I have no derogatories except for the actual bankruptcy itself that drops off at the end of 2019. The accounts from the bankruptcy have dropped off except the AMEX that now reports positive on my Experian report as closed paid in full closed by credit grantor with no late payments. I had no late payments pre bankruptcy and none post. I did burn AMEX, BOA, Chase and Citi.
Currently I have $26,300 in revolving cards broken down as $10,000 Cap One Venture, $5,000 Cap One Quicksilver, $7,500 Barclaycard Platinum, $3,000 Talbot/Comenity (my oldest card from pre bankruptcy used once a year to keep it open) and $800 Wawa/Citi store card that I just opened. I'm pleased Citi approved me after burning them. I have $3,181 on the Barclaycard from a 0% transfer that will be $2,781 next week. I expect to have that paid to zero within 8 months. The utilization on the Barclaycard is 42% and overall 12%. I recently had a CLI on the Barclaycard and Quicksilver. I also have a car loan with Cap One with $10,000 (77%) remaining. I have started to make extra payments on that to save money.
There is nothing else going on, no late payments, no collections, no charge offs. The only comment I get on my credit reports is the bankruptcy and high utilization on my car loan.