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hello all    I love this forum, it is the best. I have le...

Regular Contributor

hello all    I love this forum, it is the best. I have le...

hello all
 
 I love this forum, it is the best. I have learned a lot.
 
Last year i had tough finacial troubles which cuased my fico to go to 501 . That was the end of the world for me. my chase bank cc was closed for nonpayment, and my FCNB was also closed for the same reason. i had settle for both at half the amount.
 
I didnt know about PFD nor GW when i settled. I sent out GW to both earlier this week.
Also I paid my other 3 credit cards to 0 balance.
 
I still use them but less then 10% max util, or pay before they report to the cra.
i have managed to get new cc amex both the delta and hilton
i have also increaced my fico to 641
thanks all for all the input
3 REPLIES
Moderator Emeritus

Re: hello all    I love this forum, it is the best. I have le...

Awesome! Congrats on your progress.
Moderator Emeritus

Re: hello all    I love this forum, it is the best. I have le...

Good job!!!!!!!
Highlighted
Senior Contributor

Re: hello all I love this forum, it is the best. I have le...

140 points is good work. Great job!
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc