Down from 42% UTL to 8%! Path to success!

[Desmoire]

Good Morning fellow myfico forumers, I am pleased to announce that I am officially on the credit building bandwagon! After 2 years of constantly bearing the weight of high UTL, I am down to 8% and plan on a healthy credit score future! Thanks everyone for the support I have had thus far! It certainly has been a learning experience. Now my last goal: get this pesky doctors bill that went to collections to fall off my account. It's my one and only baddie and although I did send a GW letter to them Nov 20th, no change in credit score nor did I recieve a letter back.

[baller4life]

Congrats on lowering util! Great job!!

[titanofold]

Keep sending GW letters. Don't give up!

While I had a couple immediate results, I had to continue pestering the others.

[gdale6]

Good job, congrats

[abzze]

Only onw GW?

Did you GW to collection agency or OC?

You'll need to send GWs to collection agency too.

And don't stop at one. In fact don't stop till it's deleted or falls off.

Goodluck