Frequent Contributor
Posts: 304
Registered: ‎04-26-2012
Re: Why is it so hard to get credit after a BK?!

When you are ready to pay that CO, you should try to do a pay for delete.  If they refuse, you should still pay, but then try to get a goodwill removal after that.  If that fails, take comfort in the knowledge that if your goal is to eventually buy a house, the mortgage company will require any and all collections and charge offs to show as paid.


You are at a good start.  Keeping saving, using your cards, paying everything on time, garden what you have, and you should see a rise in your scores over the course of the next year or two.

Good luck!  (NO MORE APPING!! :smileywink:)

Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)

Take the FICO Fitness Challenge ~ In the garden until June 2013!