I've read so much of this forum these past few weeks that I'm dizzy with information. I'm hopeful and thankful.
Thanks to everyone on here for all of your advice, stories and support. My first letter for a PFD is being sent out tomorrow morning and I am hoping for the best but expecting the worst. So I will not be disappointed if things don't go my way.
Got my first secured credit card the other day... a US BANK secured! 300 dollar limit.
Thanks again everyone!
Great! good luck on the PFDs.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.