Posts: 17,409
Registered: ‎07-14-2009
Re: Take the FICO Fitness Challenge for 2011!

rothrim wrote:

Hi All!


My current EQ Score is 503.. My goal is 650...  


I currently only have 1 secured credit card that i use and pay.  student loans that are still in-school status.  and quite a few medical collections and collection agencys.


Where should I start?  Should I just file BK?  My debt amount is only about $16k

Welcome to myFICO.


At first glance I would say that $16,000 is not enough to file BK over but I don't know your situation like you do.


If you'll go to the Rebuilding Your Credit board and post some of your details (minus any personal Information) you'll get advice and suggestions as to how to repair and rebuild.




From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".