Posts: 78
Registered: ‎08-23-2008
Re: Bank of America $23,500 CLD

txjohn wrote:  For those of you in the BK, it's important to immediately garner new credit so that you don't have "wholes" in your CR.  We celebrate when the baddies come off, but the absence of any credit during time periods leaves evidence of what used to be....


I agree!  My BK was in 2000.  I didn't think I could have credit for 7 years, so I didn't even apply until April, 2008.  Major HOLE there... even though my scores are picking up, slowly, but surely.  I think "get right back up on the horse..." is good advice.


4/13/08 FICOs: TU 646 / EQ 583 / EX 623
2/06/09 FICOs: TU 708 / EQ 689 / EX 705
12/12/09 FICOs: TU 773 / EQ 737 / EX 761