u/Excelsior3233

Thanks for everyone's posts that helped me with background information, etc.

Filed Ch. 7 pro se in Phoenix, AZ on 1/8. 341 Mtg. on 2/10.

Discharged on 5/6.

Now, how are people rebuilding their credit? My FICO is somewhere between 580 and 614 with a mortgage, auto loan, student debt. All current.

A.I. is telling me it takes 12-18 months to get to 720+.

What are people doing to rebuild their credit?

Question. I have some people winning 6+ givvys which are sports cards. I have my givvy shipping setting to PWE which is great for up to 3-4 givvys, but what if someone wins 6+. It prints the label but the cards won't fit in a PWE and under 1/4". I'll use a bubble mailer or hard mailer. But now I have to pay more on shipping. Am I right?