Is it possible ?

[Anonymous]

Is it possible to get my credit score from a 620 to a 720 in a year.

I want to purchase a house in the next year or two, I have had a bankruptcy that will be 2 years old in feb of 2015.

I have 2 credit cards with my utilization  at 30 percent.

I have a new car loan that is about 1 year old.

I have a secured loan strictly for rebuilding my credit.

Is there anything else I can to expedite the process.

Thanks for any help. 

[bdhu2001]

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@Anonymous wrote:

Is it possible to get my credit score from a 620 to a 720 in a year.

I want to purchase a house in the next year or two, I have had a bankruptcy that will be 2 years old in feb of 2015.

I have 2 credit cards with my utilization  at 30 percent.

I have a new car loan that is about 1 year old.

I have a secured loan strictly for rebuilding my credit.

Is there anything else I can to expedite the process.

Thanks for any help. 

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Have you read: http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/td-p/1384075 .  It's step by step advice on how to get there.  My score went from 751 to 839 in  3 months so I believe it's possible. But I didn't have a bankruptcy.

My advice is get and keep your utilization to less than 9%,  only have 1 card with a balance & rotate them; get another two cards, but don't make them secured. After you've done that, garden and grow your CL.

[MT936]

i think its possible but you should keep your utilzation under 15%. It is best to have 1 card report a 1-9% utilization balance and the rest of your cards report a 0 balance

[takeshi74]

The recent bankruptcy is probably the biggest constraint and I have no idea how that will limit your score.

[Anonymous]

Thanks for the replies.

[pizzadude]

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@takeshi74 wrote:

The recent bankruptcy is probably the biggest constraint and I have no idea how that will limit your score.

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+1.   I think the BK will be a limiting factor that will keep your FICO scores down for a few years at least.   

Also take a look in the BK forum as recommened, there is some excellent advice there.