https://ficoforums.myfico.com/t5/General-Credit-Topics/What-to-do-next/m-p/86847#M52005 <DIV>Hi, this is my first time here, very informative forum.</DIV><DIV>&nbsp;</DIV><DIV>Ch 7 BK discharged 7/07.&nbsp; Cleaned up all three reports, got First Premier unsecured card $450 &amp; Target Red card $300, keep 10-20% balance on both to establish payment histroy, have paid more than minimum payment every month.&nbsp; No other debt, everything listed correctly on all three reports.&nbsp; Trans Union FICO is&nbsp;636, I think that is my middle score, don't want to pay for all three just yet.&nbsp; Ultimate goal&nbsp;is buying a house at some point next year, so I want my score to be 720 at least.&nbsp; Thinking about getting car loan ($14-16000) in the next few months, would it help my credit?&nbsp; I can easily afford the payment, but I can also continue to share car with hubby if need be. What else should I be doing besides keep paying credit cards on time?</DIV><DIV>&nbsp;</DIV><DIV>Thanks!</DIV> Fri, 26 Oct 2007 17:42:39 GMT Anonymous 2007-10-26T17:42:39Z https://ficoforums.myfico.com/t5/General-Credit-Topics/What-to-do-next/m-p/86847#M52005 <DIV>Hi, this is my first time here, very informative forum.</DIV><DIV>&nbsp;</DIV><DIV>Ch 7 BK discharged 7/07.&nbsp; Cleaned up all three reports, got First Premier unsecured card $450 &amp; Target Red card $300, keep 10-20% balance on both to establish payment histroy, have paid more than minimum payment every month.&nbsp; No other debt, everything listed correctly on all three reports.&nbsp; Trans Union FICO is&nbsp;636, I think that is my middle score, don't want to pay for all three just yet.&nbsp; Ultimate goal&nbsp;is buying a house at some point next year, so I want my score to be 720 at least.&nbsp; Thinking about getting car loan ($14-16000) in the next few months, would it help my credit?&nbsp; I can easily afford the payment, but I can also continue to share car with hubby if need be. What else should I be doing besides keep paying credit cards on time?</DIV><DIV>&nbsp;</DIV><DIV>Thanks!</DIV> Fri, 26 Oct 2007 17:42:39 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/What-to-do-next/m-p/86847#M52005 Anonymous 2007-10-26T17:42:39Z https://ficoforums.myfico.com/t5/General-Credit-Topics/What-to-do-next/m-p/86855#M52009 May want to also post in the BK forum-<BR /><BR />Keep UTL under 10% and if you are considering a home purchase - do keep a 8 month gap between adding credit and the mortgage. This will give time for the INQ and new account to start helping.<BR /><BR />I may suggest another card - check the "BK friendly lenders" thread<BR /><BR />Yes and NEVER be late-and play with the FICO simulator. Fri, 26 Oct 2007 17:53:20 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/What-to-do-next/m-p/86855#M52009 Anonymous 2007-10-26T17:53:20Z