Still have not seen a significant jump in any of my scores. The self lender loan has bumped it a bit, but I keep getting collections added to reports that should have been included in Ch 7. Considering closing myfico account, but glad I have it because I get notified so I can keep disputing these things. Any other tips? I'm paying everything on time, self lender account, new car payment, capital one unsecured (joint but in DH name). Still have not heard anything from Wells Fargo on vehicle that was included and Fed Loan student loan yet.