chef4u083185

1 Contributions 2 People Helped

Member Since: April 2013

Most Helpful Contribution

How do I build my credit after a bankruptcy?

Aug 14, 2014
Bankruptcy
Helpful to 2 out of 3 people

My husband and I had to file bankruptcy in 2007 due to medical issues (husband passed away in 2008).  I'm trying to rebuild my credit score (it's now in the high 600's).  I have 3 credit cards.  I only use one and I pay the balance off entirely every month. 

I keep hearing discrepancies about pay it off in total every month or don't pay it off every month.  i.e. leave $50 on it.  I'm confused.  Which is better?  I own my own home and my car will be paid off in January.  I miss absolutely NO payments.

What else can I do to push my score higher?

Thank you.

Activity (1 Total Contributions)

How do I build my credit after a bankruptcy?

Aug 14, 2014
Bankruptcy
Helpful to 2 out of 3 people

My husband and I had to file bankruptcy in 2007 due to medical issues (husband passed away in 2008).  I'm trying to rebuild my credit score (it's now in the high 600's).  I have 3 credit cards.  I only use one and I pay the balance off entirely every month. 

I keep hearing discrepancies about pay it off in total every month or don't pay it off every month.  i.e. leave $50 on it.  I'm confused.  Which is better?  I own my own home and my car will be paid off in January.  I miss absolutely NO payments.

What else can I do to push my score higher?

Thank you.