I'm in the 700 club!!! Rebuild has ended!!

[ThetoriParadox]

Woohoo! So inspiring! Can't wait to join you! Keep on going. You've got all the tools. 😃

[Anonymous]

@Anonymous.

Congrats on a job well done.  Patience, perseverance, and utilizing good credit in the end pays off.  Gardening is a good way to continue to build on the momentum. 

[ulyssesmama]

Woohoo! Congrats! 🍾 I hope I can share a similar story next year!

Capital one QS $3000, Discover $2500, Barclay $1300, Credit one $500, Sony $500, Indigo $300, buypowercard $300, Applied bank secured $300, Walmart $500, Kohl's $500, HSN $1000 (shopping cart trick), Victoria secret (SCT) $300, Overstock.com $250 (SCT), Paypal credit $900
I think these are good considering I had filled chapter 13 in Nov 2011.
FICO March 28 2017 TU 659, EQ 641, EX 645
New CLs walmart $1000, HSN $1200, buypowercard $500, VS $450, Overstock $450, Mobile infirmary credit union $500, Belk $400, old navy (soft pull) $300, BOA (secured) $500, credit builder loan (alabama credit union) $500

[iowe]

Congratulations! I can relate to your story. I'll never let my credit get screwed up again. I'm sitting at 700's now as well.

[Anonymous]

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@Anonymous wrote:

I would like to encourage everyone who is starting their rebuild or in the middle of a rebuild.  At the end of 2014 I needed a car and applied for financing,  I had scores in the low 400's!! I was embarrased at the dealership.  I was forced into a high interest loan and as a result, I started my rebuild.  At the end of 2015 I was just passed 650 when I was blind sided by 2 new collections. 

As today, I have no more collections and my only derogative account is a closed account with some very old late pays. I have tackled 10 collections and a lot of other derogatives including a dismissed BK.  I've used PFD and other methods I learned here on myFICO including filing complaints with CFBP when appropriate.

Today for the first time in my life I am above 700 on all 3 reports!!!  Thanks to the people on myFICO for sharing your knowledge. I not only learned how to tackle the derogatives but I also learned which credit to apply for and when.  I learned from this forum how to handle a reconsideration and how to handle a loan refinance request for a lower rate. I also learned how and when to request a CLI. As a result I have only been denied credit one time in the last 2 years and opened numerous accounts.  I am now going to try and stay in the garden and grow to 750. Thanks be to God.

Stay encouraged and dont give up no matter what.  You will get there!

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I don't mean to brag, I don't mean to boast but I'm like hot butter on breakfast toast!! Check out my latest update.

[Anonymous]

Congrats!! What an amazing story. I am also currently rebuilding and lacking the patience as my fico scores and credit worthiness increases. But, wait I must. Keep it up!!

[Anonymous]

wow...you did that!!!

[Cherekas]

Congrats to you and thank you for that inspiration! 

I enjoy seeing success stories such as yours, it makes me appreciate my journey because I too hope to be where you are soon!

I hope to never be where I am now, pushing forward and never looking back! 

[Anonymous]

Bump because I added an update to the original post.

[CostantinoA]

Great Job.  Do not stop building.  Shoot for 750 or even 800.