Just ran my credit report and shockingly my BK chp7 is gone. I was expecting it to fall in Dec but its gone
I rebuilt my credit over the last 10 years, currently have two mortgages, two car loans and a few credit cards but my issue is now is the credit cards. I feel that the BK has always held me back from the excellent credit rating cards.
I owe about 10k on the cards and they are about 80% utilized, and I pay the off monthly but it still reports this way so my plan is to pay them off right now and when they report at the end of the month it will show zero to low utilization.. which should blast me to about 750's im thinking.
just going over some excellent reward cards i want to consider I'm wondering what is required for the BK since it is no longer around. I'm sure they will ask on their applications but since it was over ten years ago it is forgotten correct?
which is the best rewards card i can get that has a high limit? my current rewards card is $5k and that gets used up quickly each month.
I have two Cap1 cards at a total of 7500.00 limit. i was thinking of applying for their quicksilver and then closing the two and adding the credit line to the quicksilver.. does that work like that? my only doubt on this is my 8year history with both cards. closing them might hurt thecredit score a little..