Rebuilding post CH7

[ballysdad]

$500 Secured card from OpenSky

$1000 non secured card from Mecury Visa

$1000 CLOC from Grain

$500 Secured card from NFCU

$500 Pledge secured loan from NFCU

$250 12mo. Deposit certificate NFCU

$500 Self lender secured loan (took out pre NFCU)

Checking and Savings accounts at NFCU and PenFed

I am trying to build a strong relationship with NFCU I know I have 2 installment loans one was pre NFCU.

Can anyone think of anything else I should do but keep my utilization under 5% on my credit cards that will help me other than time?

My FICO credit scores are in the low 600's currently.

[Anonymous]

What does the rest of your report look like? How far out of BK7 are you? Are all IIB accounts reporting properly?

Also, practice AZEO, All Zero Except One - one card reports a $10 balance, the others report zero. Use them all you can afford to, but pay off all but one before they report. That'll help your scores and ingrain habits for the future to preserve your profile after the rebuild.

[ballysdad]

I am under 2 months out of discharge all accounts are reporting correctly

[Anonymous]

I would go with what you have, practice AZEO, and let time do its thing. Wait until a year after discharge and then check prequals to see who may be willing to bite.

[ballysdad]

Thank you I will just wait it out and see how it goes.

[Scupra]

Remember that credit isn't a race, it's a marathon.