Hi everyone! Just about 2 years ago now I had started gathering information on how to get my low-500's score to something more respectable. I made a post that can be found here: https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-After-Bankruptcy-Dismissal/td-p/6... - thank you to everyone that helped in their responses.
TL;DR - I filed for Ch13 in 08/2015, it was dismissed in 08/2019 and set to come off my reports 08/2022.
As of right now, my Experian FICO is a 667 after jumping ~118 points from January to April 2022 (no change since). I was able to get a used car loan with a high APR in June of 2021 when my score was reporting mid-500's at best. I was planning to refinance in August or September of this year, once my bankruptcy fell off my report and I had a solid 12 months+ of payments. However, in looking at my reports that I just pulled today, my Ch13 is no longer showing anywhere. Could that jump a few months back have been when my reports updated with that information? I could have sworn it was still showing on my last pull, around that time.
If /when I am successful in finding a lender for refinancing my vehicle, would you recommend opening a line of credit with Capital One (which seemed to be the most recommended in my last post) simply for another option in reporting? If so, how long should I wait after refi? I'm simply thinking this as my vehicle and student loans are the only things reporting / open as of now.
Always appreciative of the help, hope this wasn't too scatterbrained of a post!
