@Anonymous wrote:I filed BK Chapter 7 in 2015 and was discharged in 2015.
Since discharge I have opened the following,
Cap One with $3500.00 limit with a 0 balance
Discover $4970.00 limit with a 0 balance
lowes/synchrony $3300.00 limit with a $2000.00 current balance at 0% from buying a new fridge and washer/dryer Pay this down to less than 8.99%.
Amazon $2300.00 limit with 0 balance
Care credit $2000.00 limit with 0 balance
two open auto leases with Toyota Financial
one has a balance of $16246.00 3 of 36 payments made Since this is a newer account. This one is holding you back. If you can get below 89%, you'll get some help.
one has a balance of $1411.00 with 28 of 36 payments made This one will really help a lot if you can pay it down to less than 8.99% and let it ride out until its paid.
My house which was reaffirmed has a balance of 118K
and i opened a heloc of 35K last year due to major leak and structural damage that currently has a balance of 28K
scores currently are ( pulled just recently by the bank where I work ) as we were going to buy a house but sold before we got the offer in.
Trans 718
Equifax 680
Experian 679
Credit karma ( just fako ) shows
Trans 705
Equifax 690
but i want to get over 700 on all 3
What should/Can I do? I know probably just paying off or down the one card being utilized might help to bring the lowes down to under 28.9%?
any other thoughts?
Some thing will help CC wise. And that one loan thats almost paid off. But you have a few installment loans so they will offset some things. And help other things. One may cancel out the others gain. So tackle the util on that one card. Pay down the 1 car to less than 8.99% early. Let it ride until the next payment is due. Otherwise time will do its magic. Not a bad portfolio BTW.
