Would my previous "good" credit be of any help when they pull my credit reports now?

[AMISLANDER]

For example, when I pulled up one of the major three, it still listed my joint mortgage with my ex husband as paid off for like $500K....can that kind of thing have any good bearing now?

[Minnymouth]

A BIG YES......................

My credit report has lots of accounts that say paid in full, etc - loans, auto payments, and credit cards.

Recent inquiry about refinancing my house the creditor said my credit was excellent except during the bankruptcy time span and asked me what happened. I told them what caused the BK and they understood.....

So yes it does help......

[AMISLANDER]

Thanks Minny!

I was hoping for that answer....I pay my Hooters in full, online...and I have another card, no annual, $3K limit....just opened....I read the rest of them that come in the mail but I don't feel I need any more than the Hooters @ $1K and the other one.........I don't want back in that big 'ole credit hole....I spend no more than $150 on the Hooters per month as I know that's what I can afford to deal with....god...I get scared using it...but I figure it's good training for being responsible.....

[Minnymouth]

ABSOLUTELY........ really you need no more than 2...... 3 at the most..... to rebuild your credit back up.......

Just make sure payments are current and on time.......

Keep your balance on the $1K under $200.00 at all times and the $3K keep it under $500.00 is you can........

It is so easy to get back in the use of them again.........

Self-control and budget planning is the name of the game when it comes to using credit cards........ otherwise they are just "too tempting" too use and abuse......

Sounds like your off to a good start and now that you have your auto settled too, things shoud be "looking up" at your house.......

My best too ya,

Minny

[AMISLANDER]

Yeah, now.....it's my IRS bill .... I forgot to be home on Saturday....and now I have to go home & look in my mail box & see if they left it...I did sign for it ahead of time....ugh!

[Minnymouth]

Yep, next step is to get the IRS straightened out if you have debt with them........... don't want them "doggin" ya!!!!!

Sounds like your trying real hard to turn things around and get them straightened out......

Hopefully soon you life will be "in order", and "peacefull and quiet" again......

Minny

[freshstart2006]

Definitely, yes. I do FHA mortgage underwriting and when we see responsible credit habits before and after bankruptcy, it really does help.

[AMISLANDER]

Definitely, yes. I do FHA mortgage underwriting and when we see responsible credit habits before and after bankruptcy, it really does help.

My credit was PRISTINE befor 2001, when the whole cc thing went down...but, like I said, my mortgage with X was over $500K....credit cards were paid in full every month...that kinda thing...since the bk, I have tried to clean up my credit report, have paid my bills on time...FPL just credited me back my deposit for timely payments, which makes me feel good...so I'm trying...

I do have the IRS debt but will get with them to get that workable...I own my SUV...I pay my cc bill in full now every month...

I can't do anymore than I'm doing to get it right

[Minnymouth]

GOOD GOING GIRL........ now let TIME do its thing........ how long your credit history is good is very important also....... no lates, no missed payments, nothing going to collections............ the longer it shows good payment records the better you are, the higher the credit score......

You've done good.... be proud.......

[AMISLANDER]

It does mean alot, Minnie! thank you!