My credit score today

[hopeagain]

Hi all. In 2000

I lost my home

Owed at least 12 cc's

Had 5 check and go accounts

bounced checks

Garnished paycheck

Could not even afford to go bankrupt

Life was hell. Yes I went delinquent on all of these accounts. In 2004 sprint approved me for a cell phone, then BOA offered me a cc. That got me started on the road to repair. I started myfico around 2005.

Today my scores are:

790 Equifax

791 TransUnion

Yes, there is "Hope Again"

Thanks to My Fico friends, myfico & to me for the support and hard work.

[turts14]

Great Story!!!  Thank you for sharing!!  It's a long road but can be done! 

[irving_magik]

That's awesome man, thanks for sharing. I'm still working up hill my self... started at 580 and today I'm at 675, I'll be happy when I get to the 750+ range.

[courtney091082]

YAY YAY YAY!! That is brilliant, truly encouraging!!

[golo]

Awesome,that gives me hope,mine was trashed after a divorce,2 judgments,6 collections 4 charge offs.

[traveler2005]

Thanks for the inspirational story!

[rckstrscott]

Everyone needs to keep the hope! My credit was trashed too! 19 collections, 2 charge offs, 2 judgments, a repo... no positive accounts.

I closed on a house last month and am sitting above 700, although with a couple baddies left, I am still left short of a high limit, low interest credit card, but I'll keep plodding away!

-scott

[Anonymous]

congrats time heals all wounds

[hopeagain]

Congratulations Scott. It sounds like you have recovered too. I still get occasional zombies call. Thanks to my fico I know how to deal with them. Once I paid one of them. Then a year later I got a new call on the same bill. The person told me I had not paid. Thank goodness I have a file of all letters, canceled check, signed receipts and all phone logs. 

Yes, time can help heal but I never forget the hell. I now turn down credit offers all the time. I do have credit cards but I try to enjoy the interest free when I can. I got a auto loan in 2010 at 1.99%. Much better than the 10 % in 05.  

[rckstrscott]

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@hopeagain wrote:

Congratulations Scott. It sounds like you have recovered too. I still get occasional zombies call. Thanks to my fico I know how to deal with them. Once I paid one of them. Then a year later I got a new call on the same bill. The person told me I had not paid. Thank goodness I have a file of all letters, canceled check, signed receipts and all phone logs. 

Yes, time can help heal but I never forget the hell. I now turn down credit offers all the time. I do have credit cards but I try to enjoy the interest free when I can. I got a auto loan in 2010 at 1.99%. Much better than the 10 % in 05.  

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Yeah -- I completely agree with you there. I still get calls, zombie debts I have already paid ect ect.. but i'd glady take the few leftover zombies and baddies than where I was 5 years ago... haha

Not only the obvious 'better credit' feeling, I actually know how to handle money better because of it..

-scott