Hello! I am so glad to find this forum everyone is very supportive and has great info. I ruined my credit in my twenties by paying late and collections. I am now 29 and have realized the importance of good credit. I have been working twards improving my score the past year and am starting to see results...even though I have a ways to go. It can be discouraging and depressing that I let this happen. I am being patient and consistent in my process and realize years of damage cant be erased overnight. Heres my current situation:
EX: 577 9/20/07
EX: 489 9/17/06
My goal is to purchase a home in the next year or two. My first goal is to get to 620. I look forward to chatting and sharing ideas!
