Hello all!
I am just starting my credit repair journey! I have a couple of derogs (5, 4 medical, one hsbc), just opened an account with Fingerhut (fresh Start) and got myself a secured Capital One Card. I'm starting the PFD process very soon as soon as I can start hurling money and effort at this debt.
Basically, my goal at this point is right around 650ish by this time next year and house shopping. I'm trying so hard to get us out of the hovel of a house we're renting (rented it specifically because it was cheap and it freed up money to pay down debt and repair my credit..except that was five years ago! UGH.) so I decided to bite the bullet and get started by asking my dad and aunt add me as an AU on both of their Discover cards, which was amazing of them and now I have an AAoA of 15.7 years.
Does anyone have any advice from what you can give of other things that I can do to jumpstart? I've been a cash and carry girl for years, so credit scares the poo out of me, but I refuse to get sucked into the debt hole! I'm going to play smart and hard and keep my eye on the prize: Our Dream House!
Any Advice given from those going through or having gone through this process would be super appreciated!
