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    <title>topic Re: This Year... in Rebuilding Your Credit</title>
    <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726308#M220729</link>
    <description>Great job this year, congrats! :)</description>
    <pubDate>Sat, 01 Dec 2012 00:27:54 GMT</pubDate>
    <dc:creator>Epcot</dc:creator>
    <dc:date>2012-12-01T00:27:54Z</dc:date>
    <item>
      <title>This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726036#M220706</link>
      <description>&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;This year..........&lt;br&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt; &lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;I have gained 100+  Points on my c&lt;font size="2"&gt;redit Score......see siggy&lt;/font&gt;&lt;br&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt; &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;I have went from 40 Collectio&lt;font size="2"&gt;ns down to 1&lt;/font&gt;&lt;br&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt; &lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;I have a repo Gone off 2 of my 3 reports&lt;br&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt; &lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;I have had an on&lt;font size="2"&gt; time payment History &lt;font size="2"&gt;all y&lt;font size="2"&gt;ear :)&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;br&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt; &lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;I have had 2 G&lt;font size="2"&gt;W deletions of Charge Off&lt;font size="2"&gt;'s&lt;/font&gt;&lt;/font&gt;&lt;br&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt; &lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;My Util has come down from 98 % t&lt;font size="2"&gt;o 63%......&lt;font size="2"&gt;I know gotta get it lower :)&lt;/font&gt;&lt;/font&gt;&lt;br&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt; &lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;Thank&lt;font size="2"&gt;s to everyone here for all your help and support&lt;/font&gt;&lt;br&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt; &lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;I don't know what I would have done with&lt;font size="2"&gt;out you &lt;/font&gt;&lt;br&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt; &lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt;&lt;font size="2"&gt; &lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;</description>
      <pubDate>Fri, 30 Nov 2012 20:56:00 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726036#M220706</guid>
      <dc:creator>hoping2rebuild</dc:creator>
      <dc:date>2012-11-30T20:56:00Z</dc:date>
    </item>
    <item>
      <title>Re: This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726264#M220727</link>
      <description>Looking good Keep it up!!</description>
      <pubDate>Fri, 30 Nov 2012 23:45:59 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726264#M220727</guid>
      <dc:creator>madmann26</dc:creator>
      <dc:date>2012-11-30T23:45:59Z</dc:date>
    </item>
    <item>
      <title>Re: This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726308#M220729</link>
      <description>Great job this year, congrats! :)</description>
      <pubDate>Sat, 01 Dec 2012 00:27:54 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726308#M220729</guid>
      <dc:creator>Epcot</dc:creator>
      <dc:date>2012-12-01T00:27:54Z</dc:date>
    </item>
    <item>
      <title>Re: This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726924#M220801</link>
      <description>Thank you both :)</description>
      <pubDate>Sat, 01 Dec 2012 15:03:08 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726924#M220801</guid>
      <dc:creator>hoping2rebuild</dc:creator>
      <dc:date>2012-12-01T15:03:08Z</dc:date>
    </item>
    <item>
      <title>Re: This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726998#M220805</link>
      <description>Wow congrats great work</description>
      <pubDate>Sat, 01 Dec 2012 16:16:13 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1726998#M220805</guid>
      <dc:creator>Goal850</dc:creator>
      <dc:date>2012-12-01T16:16:13Z</dc:date>
    </item>
    <item>
      <title>Re: This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727290#M220823</link>
      <description>&lt;p&gt;My thoughts personally?   You're doing a great job.  Keep it up!&lt;/p&gt;</description>
      <pubDate>Sat, 01 Dec 2012 18:58:58 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727290#M220823</guid>
      <dc:creator>Shogun</dc:creator>
      <dc:date>2012-12-01T18:58:58Z</dc:date>
    </item>
    <item>
      <title>Re: This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727746#M220856</link>
      <description>&lt;p&gt;That's incredible. You started lower than I did. I didn't think that was possible! And now you're further along as well! Excellent work.&lt;/p&gt;</description>
      <pubDate>Sun, 02 Dec 2012 00:23:43 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727746#M220856</guid>
      <dc:creator>sphinx313</dc:creator>
      <dc:date>2012-12-02T00:23:43Z</dc:date>
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    <item>
      <title>Re: This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727766#M220863</link>
      <description>&lt;p&gt;&lt;font size="2" color="#003366"&gt;&lt;strong&gt;Thank you all :)&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;</description>
      <pubDate>Sun, 02 Dec 2012 00:31:10 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727766#M220863</guid>
      <dc:creator>hoping2rebuild</dc:creator>
      <dc:date>2012-12-02T00:31:10Z</dc:date>
    </item>
    <item>
      <title>Re: This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727806#M220866</link>
      <description>&lt;p&gt;Persistence is the key Good Job get that utilization lower and you should start to soar!!&lt;/p&gt;</description>
      <pubDate>Sun, 02 Dec 2012 01:09:42 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727806#M220866</guid>
      <dc:creator>annielorie</dc:creator>
      <dc:date>2012-12-02T01:09:42Z</dc:date>
    </item>
    <item>
      <title>Re: This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727908#M220880</link>
      <description>&lt;p&gt;Great work!&lt;/p&gt;</description>
      <pubDate>Sun, 02 Dec 2012 02:37:48 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727908#M220880</guid>
      <dc:creator>mizmagic</dc:creator>
      <dc:date>2012-12-02T02:37:48Z</dc:date>
    </item>
    <item>
      <title>Re: This Year...</title>
      <link>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727938#M220881</link>
      <description>&lt;p&gt;Great job!  Very inspiring to hear.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Who was your repo with?  Redeemed?  Can you share the steps you took to get it off?&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;I am trying to get one removed from mine (Chase 05/2009) and one from DH's (Citizens 01/2010).  Both were RR, continued with monthly payments and PIF.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Best wishes for continued success.&lt;/p&gt;&lt;p&gt;HuntingMama&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt; &lt;/p&gt;</description>
      <pubDate>Sun, 02 Dec 2012 03:13:55 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/This-Year/m-p/1727938#M220881</guid>
      <dc:creator>HuntingMama</dc:creator>
      <dc:date>2012-12-02T03:13:55Z</dc:date>
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