@Anonymous wrote:
HELP!
I just went through a divorce/disillusion in which I sold my home in a short sale.
My (5) year BK13 was discharged on 021909, i certified mail the 3 credit agencies my letter of discharge.
After doing so 1 month later my credit score jumped about 10-20 points, and I applied for a mortgage at national city bank.
The bank denied me, even though I have a VA Certificate of eligibility.
My income is in the $60,000 dollar range, no debt and one secured card to rebuild my credit, I have 20 years on the job.
However I am still being turned down for any credit, wether it's a mortgage, motor cycle or appliance items.
I have paid everyone back through my BK13, and i keep getting told no, where is my success story,this is a nightmare.
HOW IN THE HELL DO I REESTABLISH CREDIT WHEN NO ONE WILL GIVE ME A BREAK?
You're doing a good job re-establishing credit with your secured card. Rebuilding IS a lot of work and can be very frustrating. Let us know more about your credit reports - there are a lot of very helpful posters on these threads.
Have you been able to pull an Equifax report from myfico yet? If so, what is your FICO score? What does it list as your good items helping your score and also the items hurting your score? If you can post these items, we can give you some good solid help.
When you pull the report on myfico, it will also let you pull up the "simulator" which will tell you what to do for the best score improvement.
This is a great forum to help get through the frustrating times. If you can give us this info, we can help more. Pulling your score on myfico costs a little (about $15) but it is an amazing amount of information that will let you rebuild most effectively.
OH - National City Bank probably pulled all three credit reports along with their FICO scores. Ask your lender to give you a copy of those reports and scores if they haven't yet. That's absolutely free.
Good luck - and let us hear more details so we can offer some helpful input.
