Frequent Contributor
Posts: 276
Registered: ‎09-04-2012
Re: Why is it so hard to get credit after a BK?!

I would definitely stop apping. You actually fine with your credit cards overall in my opinion. If you allow six months to pass after your last credit inquiry, you will see a noticable increase on your score just by not having any more inquires and letting your accounts open age.  Regarding the charged off account, why was that not included in your bankruptcy? If it was included, you should consider getting charge off removed. If it was charge off that was notin your filing, do you have enough cash on hand to payit off?  The reason I'm asking is if you do have enough cash to pay it off, you should call the collection company that has it for a settlement.


As for the student loans, I would let them stay in deferment while you can and use the money to build up your saving reserve.