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Since joining myFICO and reading the forums, I've seen a 20 point increase in the past month and a half in my scores (10 pts today). I'm finally starting to see the fruits of my labor! Before, I would just ignore my credit reports because I had filed BK in 2006. I knew it was bad and I was disappointed in myself so I didn't want to be reminded. At this time last year, I was at 517 so I had to do something. When I started rebuilding, it was 620. Today.....Eq is 641 and TU Walmart is 641. I have a few baddies that should drop off in the next month so I'm hoping to see another increase and I've dropped my CC util down way below 10% once they report. And than next year, the baddies from the BK will slowly start to drop off one by one. For those of you starting out, just be patient. It will happen so hang in there. Also, repeat to yourself over and over:I WILL NEVER BE LATE ON ANYTHING AGAIN, EVER! Or all your hard work will be for nothing 
New home in 12 mths, here I come!
New home in 12 mths, here I come!
Starting Score: Jan 2011: 517; March 2012: 620
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.
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