Bankruptcy & Scores

[Anonymous]

I went thru a bankruptcy in 2003 and understand that it will be on my bureau for 10 years.

Since that time I have a great  re payment record. No lates etc . My credit cars debt is 25% of my total available limit.

My credit scores can't seem to get beyond 620 - 630. Is the bankruptcy holding back my score?

Will I ever be able to increase my score?

Thanks for your imput

Richard

[smallfry]

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@Anonymous wrote:

I went thru a bankruptcy in 2003 and understand that it will be on my bureau for 10 years.

Since that time I have a great re payment record. No lates etc . My credit cars debt is 25% of my total available limit.

My credit scores can't seem to get beyond 620 - 630. Is the bankruptcy holding back my score?

Will I ever be able to increase my score?

Thanks for your imput

Richard

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Get your utilization down to 1% and see what happens. You can get all three bureaus over 700 soon. Pay the cards way down and see where you are.

[Anonymous]

Rtc - How old is your oldest tradeline?  How many years?