No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Based on what has happened to me I would bet you see a huge increase. Let me show you what happened this year.
TU EX EQ
Feb 638 647 654 Got EE from TU
Mar 719 674 683 Paid loan to under 9%
Apr 730 687 671
May 754 775 712 Got EE from EX
Jun 748 766 712 Util rose due to vacation spending
Jul 767 777 770 Got EE from EQ
So my major events were paying down a loan to under 9% and getting EEs to remove the Public Records(BK13) from my reports.
My EEs were received 6 months for TU, 3 months for EX, and 1 month for EQ. I had to call TU and EX to get my EEs. EQ dropped my Public Record at 1 month without calling.
Look for the exact date your BK7 was dated. Mark 6 months before that on your calendar for calling TU.
Best of luck to you.
I'm just going to sit here and dream about the year 2022