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Smart Credit 1
No By, I started taking my credit seriously in January. Across the board my score was 589. I read and still do here on the forum. Everyone is awesome very helpful. I have fought off all my collections but 2 and paid and only on one report. Patiently weather the storm tell now to apply slowly. My credit gets stronger by the month now it's a great feeling to get back on track now it's a passion I'm always trying to improve and help others in my office improve as well. I owe most of the success I'm get good on this forum. Good luck with your rebuilding.
6 Months no BK s only collections. I started January and I'm shame to say 33 collections , tooday two on one report left and there paid in full. Today one dropped off after goodwill letter. One left report is looking very clean. Just hurt my history now I will build to create a great report by treating my credit with respect. After all its our calling card.
Good luck!
Congrats OP....Walmart is a nice card to have ....use well and it will grow nicely in no time
CONGRATS!!!