Greetings All:
I am new to this. I filed bk13 in 2006. I was able to pay it off 6 months earlier than expected (Dec. 2011). When I went to purchase a home (Dec. 2011), I was told I had to wait for 12 months after discharge. Now, I am within months of wanting to purchase a home and now I am being told 2 years. Needless to say, I picked myself up and decided I would start with purchasing me a much needed car. I was able to obtain a loan with Capital One. Within 4 months, I was able to refinance my car with my credit union for 6%. That is over half what I purchased it for with Cap 1.
I would like to get my scores in the 700's by 2013.
Here's to the future of owning my own home again and being financial savvy.
:-)
Starting Score: 629