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I discharged back on 8/9 and did not reaffirm my car or home loan. I plan on keeping both and my attorney said I am better off no reaffirming that way if I ever get in trouble in the future, I could walk without damage to my credit...
That said, I would like to build my credit back up to refinance my house in the future to remove PMI and hopefully reduce to a 15 year mortgage... (PMI is for life of loan on FHA mortgages so must refi)
Shortly after discharge I got a LendUp card (300 limit) and a CreditOne card (1500) limit.
Just this week I also got approved for a Capital One card (3000) limit...
Capital One also approved me for a AutoNavigator loan for something stupid high, like $37k
My TU score on their CreditWise site is 687, but I think my score when I see it on CreditOne card site is like 565.... Why such a huge difference.
IF I reaffirm my current car loan ($6000 so Cap1 wont refi) will Bank of America start reporting my payments to the 3 agencies again???
I was contemplating another car, but not sure if that'd be best course of action for long term stability...... which would get me to the best credit score the quickest.
Thanks in advance!!