Thats what i was trying to do. However i can say last week i went to my local credit union and opened an account. I got a a 1 yr credit building loan. And she said all they see is the accounts are closed amd was included in the ch7 and no late's. So thats good. So im on the right track. 1 yr out of ch7 and my scores are 655 - 668. This loan should help a lot.