In full disclosure, my wife and I filed Chapter 7 in 2008. Since then I opened a few cards and started a new business. Five years later the business is doing well but the cards turned to judgements ($4,099 & 1577) and after 20+ months of non-payment on our mortgage we modified with the lender. This past week I became very focused on my personal credit score and worthiness. For no particular reason than to correct the past and maybe help establish the business to get some credit.
Based on CreditKarma, my credit scores are 527 TU & 539 EQFax. I have two charge offs: $262 & $1,640. I paid the $262 this week and the $1,640 I've requested backup on this as it was Verizon for the house and I believe it was during the time we filed the chapter 7. If I'm wrong I'll pay it, but it's an old debt.
This week I selectivley applied for Credit One and was approved with a $300 limit. Cool. Today I learned about FingerHut's refresh program so applied and was approved. I overpaid for an AppleTV and made the initial downpayment of $30, as they require.
Now I'm reading about selflender.com and will admit, it sounds attractive. I'm just worried I'm doing too much too quickly. Any suggestions other than those? I'm embarred of my score and really want to make an effort to be on time and have a decent score again. Dare I say low 700's?
Just so you are aware, CK uses Vantage Score 3.0 not FICO, so you are not getting genuine FICO scores from there.
If you go to Credit Check Total you can get your 3 FICO 08 scores for just $1. This will let you know at least where your starting point is, and you'll get to see your 3B reports instead of just 2 from CK.
Selflender is not going to help since you have a mortgage. It helps people that don't have an installment loan reporting, same reason Fresh Start isn't going to help you, at least not very much. If that Verizon is from 2008 it is well outside the reporting period. I would look into a secured Discover, wait six months and get an unsecured Cap One. After that it's just going to be paying everything on time and waiting.