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After BK I got 1 CC through First Premier, They suck and fees suck! But I think of it as a price to pay for foolish decisions I made previously. I set them up on Auto pay (weekly) through my credit union to ensure NO LATES.
I have a car loan that I pay religiously but they no longer report me? Can I somehow use this to my benefit in future?
Also, what should be my course of action now to get scores over 600, I have myfico membership and watch my score. It's like watching paint dry. Just never moves. 580 is all I ever see.
There has to be a tactic to get this sucker to move, should I get another C.C.? and keep ratio high for amount not used. Example $300 limit I should never use more then 100.00 of it I'm told???? IS this tru. IF I get several and use this tactic will score sky rocket. I had a friend tell me he raised his post BK from 550 to 700 by utilizing this method. He gt 5 cards. (2 were secured bank cards) 3 were bottom feeder cards with fee's. Can this be true.
He also said he invented the chi-pet, so I don't believe him 100% Thanks guys!!!