Good Scores, Bad File

[Anonymous]

I need some advice. My scores are going up from 470 in Feb 20, to 650 now 10/20. I had a Ch. 7 discharged 10/17 and have had a car repo in 2019. I decided in Feb to fix and pay things. I got inq deleted, paid off chargeoffs and got some cards in July: 1 NFCU secured $500, 1 CreditOne $300, Express $250 and VS Card $150.

So, I am having this biggest problem getting things like a new bed (Affirm) or DiscoverIT, or a mortgage. It keeps saying: my credit is too new, too many inq, but my DTI is like 3%.

Can someone offer me some sound advice?

[Anonymous]

@Anonymous - Have you researched AZEO method? Also, I'd sit on my hands and let your inquiries fall off and let your accounts age.  I'm assuming you're located in Fort Lauderdale? If so , I'm in Miramar.

[Anonymous]

I tried AZEO and my scores went down. I learned that if I keep my balances at $5, not zero, then the score goes up.

[Slabenstein]

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@Anonymous wrote:

I tried AZEO and my scores went down. I learned that if I keep my balances at $5, not zero, then the score goes up.

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When you tried AZEO, were you carrying your one small balance on a bank card or a store card?