Well I am sorry I have jumped around so much in my recent posts, I think I have given up the vehicle search right now...for those of you who do not know, we are discharged BK 7 since 4/04 only kept vehicles out of BK did not reaffirm. I have a few questions though... We have a vehicle I will keep for a few more months keep making payments on it, never late, surrender the other vehicle now and have it read IIB, We have an orchard bank card $59 annual fee that we received to start rebuilding credit, if we charge gas and food (necessities) and pay it off each month will it raise our scores a little bit? How much impact do you think it will have? It will be only 4-5 more months since I have to use a GMS discount by 1/05. I believe rebates will be back up by the end of the year since it is a slow period for dealers. With the knowledge I know, I don't think our scores will plummet much more with a vehicle being surrendered to say IIB will it? We were approved for Drive Financial right now I would hope we could get something in 5 months. Please someone I need some encouraging advice. Do you think this is the right thing to do? Our score are PG of course Exp 585 Equifax 528 TU 525 Aren't FICO's usually a bit higher? Giving me the next couple of months I could verify and ensure everything is correct on the reports. Most are reporting correctly surprise surprise! Like I said anyones personal experience with BK and/or advice would be great!
