Lawlover2 wrote:I just had to share another good ending . . . started out here about 1.5 years ago - credit scores in 400's. Today TU is 656 EQ is 648 and EX is 651. I am currenlty refinancing our home from 9.9% to 6.3% (thru FHA) w/ no problems (so far - waiting on appraisal). And, with the extra boost of confidence, I applied for the BOA Plat card and got the 99/500 offer! I've tried twice before but today, it was finally offered. Some wouldn't be so excited but for me, it will be my first CC in over 4 years!!!! I am so thankful for this forum. Now, I need to save an inquiry for a store card, or something else, I asume!Thanks to all of you!