I am working on rebuilding my credit and was wondering which i should do. A secured cc for $1000.00 or a secured loan for 1000.00 or would it not matter? I need to work on rebuilding payment history and also need to improve my score as I work on other items on my credit report (c/o, old collections etc.)
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We filed a chapter 13 bankruptcy in April of 2001, and then decided to not go through with it so it was dismissed. Of course did not matter as the filing was done so the damage was done. The tradeline has fallen off of experian and transunion, but equifax says it reports chapter 13 dismissed for 10 years. Has anyone out there had any luck getting it removed sooner by any slim chance?