SMART MONEY
DEAR BRUCE: I filed bankruptcy in 2009 and since then have paid all my bills on time. In the last couple of years, I’ve paid them in full to not incur any interest. I am using only 11 percent of my total credit available, and all of my debt, other than my mortgage, is on 0 percent cards. My credit score has gone from the high 500s to just over 700.
My dilemma is that I seem to be able …
