Re: How to rebuild your score after a ch7 BK
05-11-2012 10:09 AM
BaBAM! EQmyFICO=677 18 months and 5 days post discharge using the above plan!
For those of you who say "secured" or "don't worry about your balance" I just want to remind you that this plan is for people who are coming out of bankruptcy. If they are anything like me, I lacked the discipline to "buy only what I can afford to pay cash for". The plan above helps wrangle that in while rebuilding. Also, it's a nice little ego boost everytime you see your scoreWatch tick up... helped to keep me on plan anyway!
PS, I'm changing the title of the thread to remove some ambiguity.
Starting Score: ~470 preBK(8/2010)
Current Scores as of 8/2/13: EX 710, EQ 691, TU 709, all 3 LP for a Mortgage (TriMerge Report)
Goal Score: 700+ FICO across the board w/ my BK still on there (until 8/2020) - I think they're all already there... haven't had a bank pull a trimerge in quite a while.