I am a huge lurker and have learned so much from just reading the threads here over the last year and a half since I filed Chapter 13. I have worked diligently to clean up my reports and I really would like to get to 720 or higher at the 2-year mark of my BK (August 2015). Currently, my scores are:-
Equifax FICO 8- 682
Experian FICO 8- 652
Transunion FICO 8- 650
I have a small real estate loan (land) that has an excellent payment history. I also have a secured credit card with a $ 1000 limit that I pay off in full every month and a Best Buy Store card with a balance of $ 2200 that I will pay off by the end of the month. Finally, I am a cosigner on a car loan that also has an excellent payment history (I needed the history and my Trustee would probably not be happy that I got a car loan without his permission but my job requires a car). I have resisted the urge to apply for any credit in the last 1 1/2 years in the hopes that by August 2015 all the inquiries would fall off my history
Where do I go from here to hit the 720 mark? Am I wasting my time trrying to figure out what to do differently or do I just have to bide my time until my discharge in August 2017?
Any and all help would be appreciated. Thanks.