What do I do?

[Anonymous]

I found out by pulling my credit report that my CU was not reporting my secured card to TU/EX.  They are also not reporting my Auto Loan. All  were established after bk.  I am recovering from bk and it is so important the CRA see that I handle credit wisely after.  I contacted my CU and was told that there is nothing that can be done as they only report to EQ.  This is my highest score 640. What do I do?  I really want to buy a house next year after March which will be the 2 year mark and I should qualify for an FHA loan.  I am sure that TU/EX scores will improve by then at least the FICO simulator says that it will.  I am just bummed because I am doing everything that I was told to do and no luck.  The bad thing is that my scores are so low and TU/EX seems to be what CC's pull when I apply.  I did just get a Cap 1 card so maybe they will report to TU/EX. No one else will give me a chance at this time. Any advice would be appreciated.

[JoeBJay20]

It's been my experience that Cap1 reports to all three bureaus.  Are you doing the Cap1 Credit Steps?

[Anonymous]

Yes, I am doing credit steps.  I hope that will help.  I just spent 400 on the card and PIF the next day.  I am waiting for it to report to the other agencies. I am thinking my score will drop when it sees the credit card and then rebound in a couple mos.  What do you think? It's probably to early too ask for a CLI increase.  The EX report stated that the available credit it too low.  I have an Orchard bank card with 300 cl on it. The balance is 0.

[JoeBJay20]

Your score probably drop a few points but will rebound in about 3 monts.  The Credit Steps gives you automatic increases after 3 months if you pay on time and don't go over the limit.  Here's a thread about the program and getting a backdoor CLI.

http://ficoforums.myfico.com/fico/board/crawl_message?board.id=creditcard&message.id=71364

[Anonymous]

Thanks!