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Make going to stay on top of your debt. Take caution to make timely payments and eliminate accounts before they are late or go to collection. Don't overextend yourself in a way that it hurts your odds of making making payments in time. If you have old late pays that won't be disputed off your credit report, be aware time does heal old wounds and your score improve given that no new delinquencies are reporting.

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Your credit score can be a snapshot of your credit profile at that moment maybe. The credit factors who go into calculating your score are amounts owed, payment history, length of credit history, types of credit new and used credit.

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Filing Chapter 7 bankruptcy or 13 bankruptcies isn't the end of the good credit, it only appears that way. You can pull through anyone must be disciplined and patient. You didn't arrive here in a couple year a person can't make it better in a number years either. If you pursue these steps you will be well able to better credit. It just takes effort on your behalf and serious amounts of repair your credit after bankruptcy.

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It mega888 one more possible that someone else's credit is being sent using your identity. I have a friend whose name is the same as her sister in law. They share first and last names but have different middle names. When she joined apply funding on a home, these were very confused by her credit historical past. They lived in different states, had different jobs, and different financial track records. The credit bureaus had mixed them up in places.