@Jograham wrote:I recently obtained my FICO score from Experian. Negatives are a bankruptcy in 2001, no major credit card account and consumer finance co. loan. We recently refinanced our high int. cf loan with another cf, at a lower int. rate. I did not realize a cf loan would hurt us. All payments since bankruptcy (and most before) have been paid on time. Would it help me to refinance our car with a bank? Also, the fact that everything has been paid on time seems to have no positive effect. I suppose my score won't improve much until the bankruptcy falls off.