Question for Cindylynnsmith

[jennyn]

Ch7
Filed 10/15/05;341 11/15/05
Deadline for objections: 1/14/06 Done!!
Discharged 2/16/06!!! Yipee!
New 2006 Ford Escape 0.9% Interest!! 4/15/06
Scores day of filing: (10/13/05)
TU 485 495 478
Scores now (8/19/06)
TU 607 (+122); 548 (+53); 593 (+115)
Curious and planning ahead...

How did you manage this so quickly?

[CindyLou]

having a strong income helped on the ford things. As far as building he scores, I went with Lexington on mine for about a year. I'm doing my own now. My scores are now 640 585, and 650. My husbands scores started about where mine were in the mid to high 400's and I did them myself and his are now 660 780 and 770 wihtout a trace of BK on them. I had a lot a money (25%) to put down on the ford and a very low debt to income ratio coming righto out of bk. So it would be very hard for even me to duplicate that rate. Our second car we had to do cap one blank check at 10 something........Goood luck.

[Cassiopeia]

Cindy, what is Lexington?

[CityGirl]

https://www.lexingtonlaw.com

they help you re-build your credit scores and clean up your credit.

[Minnymouth]

Citygirl,

Most folks can clean up their own credit reports quite easily without having to pay someone to do it for them.......

All it takes is a little time and effort......

[marzipan13]

Do you have to wait until after bk to use lexington? Or can you start using it during bk?

[marzipan13]

anyone??

Do you have to wait until after bk to use lexington? Or can you start using it during bk?