I started working on my credit 1 yr and 3 mos ago with my lowest score being a 540 and had 17 baddies amongst the 3 credit reports. The derogs ranged from a 20000 repo to cc charge offs. As of this morning the last negative came off my report, a 30,60 from 6 yrs ago. Scores across the board are 660-680. Have refinanced my vehicle from 13 to 4 percent, have 3 store cards with 1000-1500 limits, 1 cap1 platnum unsecured with 1000 limit, 1 BoA graduated from 300 secured to 1800 unsecured, barclays 1300, and navy fed 8400. What a journey! Goal over 700 across the board. Ran the simulator and with me reducing util to 10% which Ive already done just waiting on reports to update it says over 720 for eq and ex and tu 750. Keeping my fingers crossed
