I have been lurking on these forums for the past 7 months or so. I want to THANK everyone that has shared their stories. They have helped me so much with my rebuild from my Chapter 7 BK. Immediatly after I was DC I opened a Credit One card ($ 300). ( I know not the best but they offered me credit when noone else would) I was pre-approved for a fingerhut account two months ago with a starting limit of $ 300 and just recently recieved a pre- approval for the Merrick Visa card. I applied and was offered a $ 600 start with a guaranteed limit double at 7 months of on time payments. Well today I recieved an email from Fingerhut that they gave me an auto CLI of $ 300!!! I know its nothing big but its something. I was so excited esp because I only made one $ 40 purchase and only made two payments on it. Both payments where more than the min. At this time I am thinking of just gardening these TL and seeing how it goes. Anyone have any suggestions as to the best way to continue to maximize my score. I am hoping for a Barcleys card around my one year mark.
Does Credit Repair Work?