now what do I do ?

[hd13350]

chapter 7 was dismissed 7/31/2023

i got 3 credit cards after the 341 meeting

credit one. 1000.00 no af

merrick bank 700. double limit to 1400 in 6 months 

ally 500 no af

reafirmed my car loan through CPS and just traded it in

Americredit is my new lien holder

also took out 2 personal loan 

my ficos are in 660's accross the board 

now what ?

and thank you for your input 

[sccredit]

Dismissed for what reason? What is your attorney saying?

Do you mean discharged?

[uktaurusbulba1]

Congrats on that. Are you sure that's a fico score? My bankruptcy was discharged a few weeks before yours. I have all the cards in my sig, but, fico on experian is only 574. What companies did you get the loans from?

[Jnbmom]

Do you mean discharged ? Where are you getting your scores 660 doesn't seem right considering your BK was just discharged . You should have waited until it was discharged before getting cards . Also 2 personal loans why?? If your debt was discharged why would you need loans and who would fund these loans ?

[Creditwiser]

Ok, if you're actually DC, THEN DO NOTHING. You have some CC's and installment loans. If anything left to do, pay down , but don't pay off installment loans. Sit tight for 2 year and let things age. No further lates and keep UTL low on the cards you have. You're in good shape !

[FireMedic1]

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@hd13350 wrote:

chapter 7 was dismissed(You mean Discharged?) 7/31/2023

i got 3 credit cards after the 341 meeting

credit one. 1000.00 no af

merrick bank 700. double limit to 1400 in 6 months 

ally 500 no af

reafirmed my car loan through CPS and just traded it in

Americredit is my new lien holder You traded in a reaffirmed car. What did you get to relace it?

also took out 2 personal loan 

my ficos are in 660's accross the board 

now what ?

and thank you for your input 

---

If you have a auto loan. The 2 personal loans you can pay off. Isnt helping. Only need 1 loan for FICO while rebuilding. Some confusing parts that need to be verified.

[hd13350]

sorry i should have stated discharged

also to verify my fico score.     689 transunion  fico 9 bankcard version (from merick bank)

                                                       636 experian. fico 8 (from experian web site)

                                                       653 exquifax fico 8 (from my fico dashboard)

should I still keep a balance of 30.00 or less on all combined credit cards or should I have a 0 balance when they report?

thank you

[hd13350]

I used upgrade for the loans.

[hd13350]

sorry i meant discharged

[Horseshoez]

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@hd13350 wrote:

sorry i meant discharged

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Okay, that makes sense.  What you do next is nothing; use your cards, keep them with low or no balances, and wait; time will do the rest.  In a year or so your scores will have improved significantly and you can start looking at more advantageous cards.