From rags to credit riches

[xxpert]

Hey folks, a few years ago my credit was in the toilet. I had a 570 fico and the best credit card I had was an orchard bank card that I paid $250 app fee with a credit line of $500, oh and I also had a New Millenium secured card ( I Actually liked New Millenium ) well a few short years later and several disputes I can now say that I am riding on the upper echelon of credit worthiness. I'm currently sporting the Amex Gold Preferred, Chase Saphire, Amex Gold Business, Chase Ink, Barclays US Airways, Chase Freedom, US Bank flex perks, Citi Thank you. I got all cards for some pretty nice sign up bonuses and because my spend is decent I get some nice point accumulation. I dont carry balances on any of my cards because i know that i never want to be in credit trouble again. Just in 2012 I have been to Cancun 3 times, LA, Punta Cana, and Houston all using points transferred to FF miles and I still have about 338k points. So if anyone is on here thinking of the long road ahead to excellent credit, believe me it's very doable and will not take that long, just stay diligent and you can do it too. Current fico is 768

[JennaRose]

How many years did it take?

[tubesock]

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@xxpert wrote:
Hey folks, a few years ago my credit was in the toilet. I had a 570 fico and the best credit card I had was an orchard bank card that I paid $250 app fee with a credit line of $500, oh and I also had a New Millenium secured card ( I Actually liked New Millenium ) well a few short years later and several disputes I can now say that I am riding on the upper echelon of credit worthiness. I'm currently sporting the Amex Gold Preferred, Chase Saphire, Amex Gold Business, Chase Ink, Barclays US Airways, Chase Freedom, US Bank flex perks, Citi Thank you. I got all cards for some pretty nice sign up bonuses and because my spend is decent I get some nice point accumulation. I dont carry balances on any of my cards because i know that i never want to be in credit trouble again. Just in 2012 I have been to Cancun 3 times, LA, Punta Cana, and Houston all using points transferred to FF miles and I still have about 338k points. So if anyone is on here thinking of the long road ahead to excellent credit, believe me it's very doable and will not take that long, just stay diligent and you can do it too. Current fico is 768

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Wow! Great testimony! 

Look what can happen if you play by the rules. 

Congratz!!!

[JonStur]

Good for you!!! I know a few people that visited  Punta Cana, I have to stop slacking and renew my passport..

[Cadillac-XTS]

Congrats

[jsucool76]

Congratulations!!

It's always great to hear about people recovering from credit problems, and I think stories like that do wonders for a lot of people on the fico forums who are currently in the same position you were in just a few years ago. 

[creditnocash]

congrats! 

the worst part is waiting!. 

i want my credit high now and my aaoa. 

but you cant have high aaoa unless you have a few extra years on yourself.

[xxpert]

Thanks everyone... All in all it took about 5 years, although it only took about 12 months to remove all my negatives and it was all legit, I simply disputed some late payments for legit reasons and for the collection accounts I called the collection agencies and offered to pay in full for removal, it wasn't easy but all worth it. The other 4 years was to rebuild my credit worthiness to get to this point. I got a best buy credit card almost immediately after removing my negs and shortly thereafter got my chase freedom and built on from there, my first Amex came within 3 years.

[nicholasyud]

congrat man finally got your paid back...

[CK_Charles_Lover]

Congrats.