I'm ready to garden.  I just finished a spree of sorts - closed USAA Secured MC (1500)  (they wouldn't unsecure), added Walmart Discover (1200) and First Tech VISA (5000).  New Ford Credit 0% loan for 2012 car, paid off NFCU Auto loan, $12K NFCU personal loan for home improvements.

I'm hittling three years from BK discharge with ample credit lines, low utilization, and 14 inquiries each CRA (mostly due to home buying finally closed in April).

I'm not quite to 700 but with time and patience (a year without hard inquiries?) I should get there.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012 Gardening since 10/6/2012

Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 4/2/2011 EQ 682 1/14/2011 TU 665
Current Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Goal Score: EQ 700 TU 700
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