My Chap 7 B.K. was final 18 months ago. Here is some history. Foreclosure 2/98 B.K. requested 11/98 B.K. granted 2/99 Used Mercedes purchased 3/99. FICO = 530 Credit Union Visa card granted 5/2000 FICO = 641 All bills paid on time since 11/98. When will my FICO score hit 700 or better? Thank you
I seriously doubt your FICO score was 641 a year after bankruptcy and foreclosure. Maybe 541, but not 641.
My credit score is too low even for the chevron credit builders card. They use experian which is my worst report. The other two only have 4 bad marks(2 charge offs one paid and one unpaid ($96) and 2 paid collections).Without applying for a loan how can I get my fico scores? I tried the simulated ones on various web sites but I don't feel that their accurate. I scored a 630. Where can I get a "real" score????
Only by applying for a loan, or having a friend who works somewhere who could pull the report for you!
