Several years ago, due to life circumstances, I had horrible credit. My credit score was in the low 500s. It was a nightmare! As of last month, my score is 790. (When I hit 800, I want to have a major celebration.) Presently, my only debt is my house. My car is paid off, I pay off my credit cards each month and have begun putting money into savings. It has been a long recovery with lots of sacrifice. It has been helpful to see the impact of credit management reflected on myfico.com scorewatch scores. I am slower to open new cards, charge on old cards or play the balance transfer game. If I can do it so, can others!! It's a great feeling!
