My bankruptcy was discharged a little over four years ago. With one or two corrections, all of my CRs were correct (As far as I can tell). Since then:
-I have taken out three car loans, and paid off two of them (One loan was taken out right after the discharge)
-I have four credit cards - Paid off monthly
-I financed some appliances (and paid them off)
-I have a reported history paying off two mortgages (Both discharged, but both reporting per my request)
-I have a decent income
Again, it's been four years. My FICO score has been hovering around 650. That seems really low, considering what some other people have posted, and what I have done in the past few years.
I looked at my score (Via one of my credit cards), and noticed: "Number of accounts with delinquency" was a reason for my low score (Along with the bankruptcy).
I have not missed a payment in the past four years! I have checked my reports, and none of them seem to show a delinquent account.
What do I do next? I'd like to get some help figuring this out, but from what I've seen, the credit assistance field is loaded with sharkes, and I don't want to get mauled.
Thanks!
