BK discharged in 19. Still in 600's. Feeling Stuck & Discouraged. Re-establish NFCU?

[sexymommee]

Hey all. It's come to that point in my lurk life where I too have to come out of the shadows lol. I'm stuck on what I should be doing to continue my journey on rebuilding my score. It's like I hit a road block. 

I'd also would like to build my relationship back with NFCU. I burned them in my BK however have since made them whole. Just don't know how to go about doing that. 

Any critiques/suggestions I'm totally open. Feel free to link threads as well. I am NOT against a good read 

TIA

1. EQ 670
2. TU 614
3. EX 652

I have a total of 14 accounts showing on my reports. 

• 1 Public record/Chpt 7 BK Discharged June 2019
• 1 collection account that is recent from Geico for $79 friggin bucks which shouldn't be on there because I pay them in full every 6 months and canceled but that's another story and dealing with that as we speak.
• 1 repo that's actually in the BK above 
• 5 student loan accounts 180 past due
• 3 revolving accounts open paid as agreed with low utilization 
• 4 installment accounts closed paid as agreed
• 3 inquiries

[GatoradeZeroGuy]

if your student loans are federal, consider the Fresh Start program 

get your repo to report accurately that it was part of the BK, if it's not being reported accurately?

I'm unsure if you need to do anything on NFCU's end before applying for a secured card, maybe others have insight on what process you should take for that

[CH-7-Mission-Accomplished]

---

@GatoradeZeroGuy wrote:

if your student loans are federal, consider the Fresh Start program 

get your repo to report accurately that it was part of the BK, if it's not being reported accurately?

I'm unsure if you need to do anything on NFCU's end before applying for a secured card, maybe others have insight on what process you should take for that

---

^ This.  

   Also, contact GEICO and ask them to recall the collection if you pay in full and remove the collection from all three bureaus.
   You can't significantly improve your scores until you bring those 180s current and hopefully get that collection paid and off your records.

   You should be at 680+ FICO 8 and FICO 9 on all three reports

[FireMedic1]

---

@sexymommee wrote:

Hey all. It's come to that point in my lurk life where I too have to come out of the shadows lol. I'm stuck on what I should be doing to continue my journey on rebuilding my score. It's like I hit a road block. 

I'd also would like to build my relationship back with NFCU. I burned them in my BK however have since made them whole. Just don't know how to go about doing that. 

Any critiques/suggestions I'm totally open. Feel free to link threads as well. I am NOT against a good read 

TIA

1. EQ 670
2. TU 614
3. EX 652

• 1 collection account that is recent from Geico for $79 friggin bucks which shouldn't be on there because I pay them in full every 6 months and canceled but that's another story and dealing with that as we speak.
• 5 student loan accounts 180 past due
• 3 revolving accounts open paid as agreed with low utilization 
• 3 inquiries

---

Thinned out whats important now.@GatoradeZeroGuy and @CH-7-Mission-Accomplished nailed it. Dig a little more. Any lates on the open accounts? How low is the util % on each card and how many are reporting a balance? As the guys said. Get the red done.

[sexymommee]

Thanks everyone for the input. I appreciate you guys.  I'll work on those suggestions. Wish me luck!

[FireMedic1]

@sexymommee 

I'll add this since you didnt answer my question. Only have 1 card report a balance of less than 8%. Pay the rest to $0. If your carrying high balance on your open cards now. That will tank scores more. Good Luck!

[sexymommee]

My bad. I read it as you telling me to ask myself those questions lol. I blame my new granbaby that's been keeping me up. 

Open accounts have no lates

Utilization is always 0% on all cards by the time they report (I pay off)

[NoMoreE46]

---

@sexymommee wrote:

My bad. I read it as you telling me to ask myself those questions lol. I blame my new granbaby that's been keeping me up. 

Open accounts have no lates

Utilization is always 0% on all cards by the time they report (I pay off)

---

As @FireMedic1 suggested, try to get one of your cards to report a balance of no more than 8%.  Paying all three to $0 hurts your score - it sounds crazy but that's the game.

[FireMedic1]

---

@sexymommee wrote:

My bad. I read it as you telling me to ask myself those questions lol. I blame my new granbaby that's been keeping me up. 

Open accounts have no lates

Utilization is always 0% on all cards by the time they report (I pay off)

---

@sexymommee 

This is why I asked. Your leaving points on the table. Avg 15-20pts when no cards report a balance. Have 1 report $20. Then pay it before the due date. To FICO your being penalized for not using your credit when all accounts report $0.

[SUPERSQUID]

---

@sexymommee wrote:

Hey all. It's come to that point in my lurk life where I too have to come out of the shadows lol. I'm stuck on what I should be doing to continue my journey on rebuilding my score. It's like I hit a road block. 

I'd also would like to build my relationship back with NFCU. I burned them in my BK however have since made them whole. Just don't know how to go about doing that. 

Any critiques/suggestions I'm totally open. Feel free to link threads as well. I am NOT against a good read 

TIA

1. EQ 670
2. TU 614
3. EX 652

I have a total of 14 accounts showing on my reports. 

• 1 Public record/Chpt 7 BK Discharged June 2019
• 1 collection account that is recent from Geico for $79 friggin bucks which shouldn't be on there because I pay them in full every 6 months and canceled but that's another story and dealing with that as we speak.
• 1 repo that's actually in the BK above 
• 5 student loan accounts 180 past due
• 3 revolving accounts open paid as agreed with low utilization 
• 4 installment accounts closed paid as agreed
• 3 inquiries

---

My bk7 was also in 2019, dc in 12/2019

My opinion is 700 is just a number.

I have never gone above 692 on any fico yet i have unsecured cards with, NFCU, PENFED, DISCOVER, CAP 1, and others.

My income is only 39k but my tcl is above 90k.

Granted a higher score may result in lower interest rates but as far as being a damper to getting good cards, nah

Also it would depend on who you burned and some lenders dont like to see that bk7 at all.