Thank you for the tips! I will be sure to let at least one card report monthly. Yes, these are all MC, Visa and AMEX - no store cards.

I will also try very hard to not exceed 8.9% utilization.

Yes, I am above 620, but barely. Experian shows me at 637 and I know they...

CH7 discharge was last summer and FICO is still in the toilet. I thought I was doing everything I was supposed to do.

I have one secured CC, and three small limit unsecured cards (I know FICO hates "thin files").

I have one installment account for a small personal...

I was approved for Mercury a few months after my discharge and have had no problems with them....