Posts: 15
Registered: ‎09-08-2012
Re: Kinda Bummed...:(

Read my signature......

All of these CC's I've gotten within the last 12-16 months and am currently in the 24th month of a  60 month Ch 13 plan. Now because of the BK, my DTI ratio is now VERY good as I have gone through and disputed my credit files to ensure all of the trade lines are reporting correctly; i.e. everything in Ch 13 and no active balances.  That made a huge difference for me. Still have a little ways to go on my Experian file, but Ill get there. All told I have $2100 AC on all 4 cards and I never use more than $400, which is paid in full every month. Sounds to me like you need to start working on your credit files to make sure they are as squeaky clean as possible. Good luck to you.....

Trans FICO = 660 (01/6/2013) Equifax FICO = 654 (01/6/2013) Experian PLUS = 656 (1/6/2013)
Wallet = AMEX Prepaid with $300 every 2 weeks deposited, Cap One (Formerly Orchard Bank) $500 CL in SOCK-DRAWER, Credit One Bank Visa $1000 CL in SOCK_DRAWER, Discover Matrix $300 CL in SOCK_DRAWER, Fingerhut Charge Account $300 CL in SOCK_DRAWER, and Barclaycard MC with $1300 CL
Goal.....To break 750-775 by the end of 2013
DId not reach my 2012 Goal of 700... :-((