Re: 1st CC post Ch.7 BK....Next steps??? :: + UPDATES::
10-08-2012 06:50 PM
Update - Received a score watch alert on 10/4. Logged in a saw that my score went from 610 to 647. Still have the same two credit cards and credit builder loan that were opened this June. Have been using those and sometimes pif and only report < 10 util, other times I have let them report up to 70% util. So far have seen a 10 point drop in score when util is high.
** Not sure why score jumped 37 points - maybe accounts have been aging?
Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board
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Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)