Hi:Score was 675 about a year ago, then starting slipping for same reason as anyone else. Too much good credit and not enough $ to pay back. Got late on payments and debts kept rising to $38,000. No job, so did ch 7. Recently converted to Ch 13 to keep assets have income now. Tried getting a refi, but score middle score was 475?? So where do I begin to increase my scores? Any help is appreciated. Sounds like lot of you know what you're talking about.
