Hey everyone, I'm new to the forum here. I unforntately had to file for BK when I was only 23 years old. I filed in June 2015, and it was disharged September. I was able to get a hold of a Capital One Platinum Card in February 2016 with $300 and then increased to $500 over time. Then I was pre-approved for a First Premier for $700 in December 2016.
I checked my Equiflax credit Report, I have a lot of closed accounts, those closed on my behalf, car loans that were paid off when another dealership paid off the car so I can get a new car, Credit cards burned in BK. Like Chase, Barclays and another Capital One card, I also included two cars. 1 was taken away, and the other car was returned on my behalf, without an reaffirmative to pay back.
I haven't don't anything except for pay my cads on time, in the beginning I was only pay a couple hundred to both cards, and not paying off in full each month, it was only recently I started paying them off in full each month. My combined credit limit is 1200 at the moment.
I've been on time with all my payments, and don't have any other debts except those two cards, as well as PayPal Credit for $1,200 which apparently don't report to any of the bureaus, but it does take a Hard Inquiry on report.
I also have about 6 hard Inquiries since 2016, the earliest being in January 2016, and the latest was April this year for PayPal.
Does anyone have advice on how to clean up my report, and help getting into better CC's to help my credit score? I would appreaictate any and all helps!
I've used annualcreditreport.com and I pulled my Equalifax report only, but I don't see a date when it shows when reports will fall off, am I looking at this wrong?
Should I pull all my reports?
This is what I have, and no, i did not pull my credit after the discharge, I had bad advice that I took :/
MAB&T: Closed due to Inactivity. Date Closed: Auguest 1, 2015 PAID AND CLOSED
CHASE CARD: Doesnt show loan amount/ First Delinquency: Aug. 01. 2015. Included in BK.
BarClays: 1st Delinquency Jult 1st 2015 Included in BK
Capital One: Pays As Agreed? Closed on my behalf back in 2012.
VW Credit: 1st Delinquency Sep 1 2015 Included in BK
Toyota Financial Services: 1st Delinquency July 1, 2015 Inluded in BK
VW Credit: PAYS AS AGREED?
FORD: PAYS AS AGREED
The last two were paid and closed when I traded in a car to get antoher car and the new car dealership bought the old car. if that make sense.
When will these drop from my report? and am I able to call the bureaus and ask them to remove them?
I've been using Credit Karma to check on my credit score, but I've read it isn't accurate.
Off Credit Karma:
TransUnion: 657 "Fair"
Equifax: 662 "Fair"
Off Equifax pulled from Annualcredreport:
thank you so much.
I'll pull my credit scores and report back. I kept reading on forums deep on this site about the best number of credits cards to have are 3 for rebuilding, and I took a chance, I literally just got approved for the Capital One Quicksilver Card for $1000.
Increasing my CL and lowering my Utilization.