A wonderful 1st year of credit rebuilding!! If I can do it, so can you!!

[KORN]

Well it's been YYYEEEAAAARRRRSSSS since I've been able to have credit and a bank account.  I had several collections and was also in the Chexsystems for those painful long years.  I didn't know about rebuilding credit until I got bored one day and started brosing the web in October for credit information.  Low and behold there was lots of info about removing bad debit and how to rebuild. 

So in October 2013 I had nothing but negative accounts which totalled the following:

$6,367 Equifax

$5,432 Experian
$4,861 TransUnion

Now it's December 2014 and I just have one bad account left that is at a $0 balance but still bad and it will come off the end of the month . So in roughly 14/15 months I have managed to go from nothing but negative accounts and over $5,000 in negative debt to $0 in negative debt and practially 0 negative accounts. 

My current scores as of 12/8/14 are:

664 EQ

647 TU

635 EX 

and they probably would have been higher but I got a little carried away with applying for cards and now I have inquires on my account lol.  It's ok though, I feel I'm where I'm at credit card wise so i'll chill out for a while.

[Dj4Money]

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@KORN wrote:

Well it's been YYYEEEAAAARRRRSSSS since I've been able to have credit and a bank account.  I had several collections and was also in the Chexsystems for those painful long years.  I didn't know about rebuilding credit until I got bored one day and started brosing the web in October for credit information.  Low and behold there was lots of info about removing bad debit and how to rebuild. 

So in October 2013 I had nothing but negative accounts which totalled the following:

$6,367 Equifax

$5,432 Experian
$4,861 TransUnion

Now it's December 2014 and I just have one bad account left that is at a $0 balance but still bad and it will come off the end of the month . So in roughly 14/15 months I have managed to go from nothing but negative accounts and over $5,000 in negative debt to $0 in negative debt and practially 0 negative accounts. 

My current scores as of 12/8/14 are:

664 EQ

647 TU

635 EX 

and they probably would have been higher but I got a little carried away with applying for cards and now I have inquires on my account lol.  It's ok though, I feel I'm where I'm at credit card wise so i'll chill out for a while.

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 Congrats! 

 
 I didn't know Game Stop had a card....

[KORN]

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Dj4Money

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 Congrats! 

 
 I didn't know Game Stop had a card....

***I got it not realizing their Black Friday sale was going to be everywhere else too.  They had the 6 months 0% interest but turns out I didn't need their card I ended up getting my things from Amazon using my store card.