Last June, 2013 all three of my scores were around 575, give or take a few points depending on the CRA. Now, if you look at my scores below it took discipline, patience and perseverance to get where I am today with this. A big thing to add to that is how valueable this forum has been in getting me there! I CANNOT thank all of you enough for the information exchange and real life experiences all of you have shared! To all of the expert opinions: I've followed your logical advise to a Tee! All of you that are new to this forum, please take the advise seriously and apply the logic to your situation. IT WORKS! Everybody's situation is different, so one size may not fit all. But use common sense and logic from the advise! I cannot tell you how much this forum has completely changed the way creditors look at me and my file. All I can say is WOW!!!!! In the midst of all of this I finally was able to get my dream car (Corvette). My credit union really didn't think twice about extending me the loan. They just asked for a fairly small down payment and I was a go! Just wanted to share my long story short with you this morning as I reflect on how far I've come, because of all of YOU!!!
Cheers,
HC :-)
In my wallet: AMEX BCE $18k | AMEX ED $19.5k | AMEX EDP $10k | AMEX BCEP $10k | HEFCU $10k | Discover it $8.8k | Capital One QS $9k | Chase Freedom $4.5k | Walmart $3,200 | JCrew $2,350 | Chase Slate (AU) $22k.
Now in the garden...
Current FICO Scores: 783 (EX) | 766 (EQ) | 764 (TU)
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
