Credit Card Center Advertiser Disclosure

New Contributor
Posts: 57
Registered: ‎03-01-2010
0 Kudos

Re: Done with Bad Credit!

CreditCrusader wrote:

Wolf3 wrote:

It is called credit history for a reason.   You need time for the good and bad accounts to age.

Wow...that wasn't snotty or anything...sheesh


To the OP, a more respectful way to convey that message is as follows:


Allowing accounts to age over time demonstrates responsible credit behavior - which in turn results in increased credit scores. This also holds true for any baddies on your report, as the further removed you are from them the less of a negative impact they have on your credit score.


You have an impressive assortment of credit. My advice would be to use it responsibly and be patient... you're on your way! Smiley Happy

Thanks CreditCrusader! Yeah, wasn't sure how to take that one. No hard feelings though. I decided to start being active on here because I appreciate how supportive people are to each other. It's hard dealing with these companies and working on getting back on track. Credit is now just a means to good tradelines and nothing more for me at this point. Hopefully your journey is going good!

Starting Score: EQ 593 TU 606
Current Score: EQ 680 TU 682 EX 684
Goal Score: 700's baby let's get it!

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.