New Contributor
Credit_Me
Posts: 52
Registered: ‎06-14-2012
1st CC post Ch.7 BK....Next steps???

Hello All,

 

I had my bk discharged 1/12 and I just got around to starting the cleanup process. Started disputing some items with the reports I pulled. Anyways, this week I received an offer from Cap1 which prompted me to join myfico and start monitoring. I was surprised when I got approved. I have been reading some of the posts, and wondering where to go to next.

 

My plan is to use about 10 percent of the CL which is 750 (will go up after 5 on-time payments) and PIF every month for the next six months and then apply for something else but not sure what.

Don't have a mortgage, have an auto loan which was reaffirmed, and basically only have about 4000 dollars in school loans.

My EQ score is currently 531 as of today.

 

Any advice would be appreciated....


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)