Hi eventually, and welcome to the forum. You will find tons of invaluable info here as you continue your credit repair. Most of us came here for the exact same reasons as you.
You are taking positive steps to improve your situation, and that is good. You are not doing anything wrong, that I can see.
I do notice that all of your cc's except Mervyn's, are all 2007 issue. Because of the newness, they have not begun to help you. But they will as they age, and get older. Try to refrain from applying for cc's because each inquiry detracts from your FICO scores. Be very prudent in applying. Like 2 or 3 per year.
Also, instead of paying them off in full every month, try paying 90% of your statement amount. The CRA's(credit reporting agencies) love to see cc's used, but like to see low utilization rates. This shows them that you use your cc's responsibly. That will help your scores. Pay on time, every time.
Your chapter 7 should have already fallen off your CR, or will by the end of the year. If it's still on your CR, THAT is a major issue that's effecting your score.
Have you pulled all 3 credit reports? If not, imo, you should. And review them carefully, for any errors(yes they may contain errors).
Good luck to you!
You are taking positive steps to improve your situation, and that is good. You are not doing anything wrong, that I can see.
I do notice that all of your cc's except Mervyn's, are all 2007 issue. Because of the newness, they have not begun to help you. But they will as they age, and get older. Try to refrain from applying for cc's because each inquiry detracts from your FICO scores. Be very prudent in applying. Like 2 or 3 per year.
Also, instead of paying them off in full every month, try paying 90% of your statement amount. The CRA's(credit reporting agencies) love to see cc's used, but like to see low utilization rates. This shows them that you use your cc's responsibly. That will help your scores. Pay on time, every time.
Your chapter 7 should have already fallen off your CR, or will by the end of the year. If it's still on your CR, THAT is a major issue that's effecting your score.
Have you pulled all 3 credit reports? If not, imo, you should. And review them carefully, for any errors(yes they may contain errors).
Good luck to you!
I respectfully disagree with the 2-3 cards per year.
Don't apply for credit that will reduce the AVG age.
Don't apply for credit you don't need or don't have a reason for.
Be picky-
Allow me to quote Brammy "Ask not what you can do for your cards, but what your cards can do for you."
Don't apply for credit that will reduce the AVG age.
Don't apply for credit you don't need or don't have a reason for.
Be picky-
Allow me to quote Brammy "Ask not what you can do for your cards, but what your cards can do for you."
@Anonymous wrote:
Hi eventually, and welcome to the forum. You will find tons of invaluable info here as you continue your credit repair. Most of us came here for the exact same reasons as you.
You are taking positive steps to improve your situation, and that is good. You are not doing anything wrong, that I can see.
I do notice that all of your cc's except Mervyn's, are all 2007 issue. Because of the newness, they have not begun to help you. But they will as they age, and get older. Try to refrain from applying for cc's because each inquiry detracts from your FICO scores. Be very prudent in applying. Like 2 or 3 per year.
Also, instead of paying them off in full every month, try paying 90% of your statement amount. The CRA's(credit reporting agencies) love to see cc's used, but like to see low utilization rates. This shows them that you use your cc's responsibly. That will help your scores. Pay on time, every time.
Your chapter 7 should have already fallen off your CR, or will by the end of the year. If it's still on your CR, THAT is a major issue that's effecting your score.
Have you pulled all 3 credit reports? If not, imo, you should. And review them carefully, for any errors(yes they may contain errors).
Good luck to you!
