Jump to content

Starting rebuilding after BK


lkb0851
 Share

The last post in this topic was posted 3750 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

My husband and I are starting our journey back after BK in 2011. It will be 3 years this summer. The only credit we have now is a car loan that is 2 years old and several small loans through our credit union (not sure they are reporting, though they are supposed to). We reaffirmed our home loan with Wells Fargo because it was always paid as agreed and we thought it would continue to report but it is not. Our current scores are husband 602 and mine 640. These are through TU. I have been an authorized user on my daughter's BOA Visa for over 4 years. It has a good payment record but it is now at the $10,000 limit so it makes my utilization really bad (she will not be paying it down anytime soon.). Should I ask her to remove me or would it hurt worse to lose an aged account?

What would be the best way to proceed at this point to raise those scores within the next 6 months?

Do you think we would be able to get either a Walmart or Amazon card?

We've gotten offers for cards but I've avoided them mainly because of the annual fees.

 

Thanks,

Kate

Link to comment
Share on other sites


If eligible... Join NFCU.

 

You need a few cards, barclays, cap1 starter, walmart, etc.

 

Get removed from your daughter cards, thats KILLING your utilization.

 

Keep util % low, get a few TL's going, make sure NO baddies that should be IB are reporting.

Link to comment
Share on other sites

The last post in this topic was posted 3750 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share




  • Member Statistics

    • Total Members
      188489
    • Most Online
      2046

    Newest Member
    AHJ
    Joined
×
×
  • Create New...

Important Information

Guidelines