It has been a long road, but all my efforts are starting to pay off thanks to the assistance of all of you good people out there.
2 years ago – mid score of 490 due to thin file, old bankruptcy, and 12 collections.
1 year ago – mid score of 550 because I got a few low limit cards and the bankruptcy fell off. However had a few late payments
6-9 months ago – mid score of 590 because I included a installment, disputed 4 collection accounts and paid off a few
now – mid score 628. 5 cards with 4 paid off (only 1 reported) and one at 20%, 4 collections PFD, only 1 collection still on file but PIF.
12 more points to get my mortgage which I think will come through when the other paid accounts get reported.
Thank you all for your assistance. you guys help more people than you might realize.
5 Steps to Credit Repair After Bankruptcy
Previously bankruptcy filing stayed on your credit report for 7 (and now
10) years. After that period is over, does it just automatically get erased
from your credit score?