I am a "newbie" and I am so very grateful to have found this site. Psychdoc is awesome. I have read only the first two sessions so far, and starting the third today.
Filed for BK in November 2009--discharged February 2010. Didn't think much about my credit 'cause I knew FICO would be depressingly low. I started checking credit in 2012--it was in the 500's. It is now in the low 700's, but with several derogatories b/c of the BK. The derogs are biggies because when my husband died unexpectedly in 2007 I was not able to pay the mortgage and credit cards--two of these debts are Chase, and one is Capital One. Since these are accurate, I doubt if I can get them removed from CRs.
There is one in Collections and even after I researched it I still don't know what it is except that it is Medical. The OC is in St. Joseph, MO, and the CR shows the debt occurred in January 2011. Although I have lived in Kansas City, MO, I moved to Georgia in 2010, plus I had never had anything medical in St. Joseph. Before I dispute it, I will read Pychdoc again to be sure I do it correctly.
I have an unsecured Barclaycard w/$2,800 CL. I pay more than minimum and pay 2X each month. In the two years I have had it, I have not gone even near the max. I also have a $700 credit limit PayPal Smart Connect account through Synchrony. Just the other day I applied for and got approved for a secured card. I don't have a mortgage or a car payment. I would have had a car payment recently but Honda and others would not approve me because of the BK, even with a fairly large down payment. So, I emptied my meager savings account and bought a car with cash. (I think the auto loan would have enabled me to build credit.)
Well, that is the background, but I do need help. Although I read Forum posts as well as Psychdoc's sessions, I welcome ideas & suggestions from members. I' not so sure I'm doing anything right. (Keep in mind that I am retired and have a small income.)