I have been a part of the myfico forums since January. I have followed instructions regarding pay for deletes and the HIPPA process. Since becoming a member my scores have increased by 15 points. Today I got my first credit card approval that was not secured. I'm really excited and wanted to share. Thank you for all the help. I can finally see the rewards of credit gardening and playing the game as it should be played i.e. Utilization etc. Thanks for the direction.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.