Next steps?

[Anonymous]

Should I focus on paying down my car loan and or student loans? My monthly ultization is less than 5% on my credit cards but I am not seeing  increases in my scores. I am about 7 months post bk7 but my highest score is around 650(eq) and my lowest is around 630(ex). I am coming from low 500s. I have weekly travel coming up for the next 3 years or so, so I would really like to have an airline or points credit card that I can take advantage of. Am I being to impatient? I have 4 credit cards now (jcrew, 2 capitol one, and a secured discover), but, was denied Navy (secured card closed when I filed) and have iib amex and barclay (denied card w/o hard pull citing previous relationship). Any suggestions on next step or bk friendly travel credit card - actual points that convert to airline miles or an airline credit card. Thanks.

[Anonymous]

Replied to your other thread, but the short answer is yes, you are being too impatient

Focusing on heading towards a debt free life is of course a good idea, though!

[Anonymous]

Just remember, it’s a marathon, not a sprint. You have 4 cards, so your good for now. Just continue to let positive history report, the rest will come in time.

Also, I would start on the SL. 

[Anonymous]

Thanks for the feedback everyone. Just wishing I should have filed earlier.