Possible ?

[SSH0126]

Is it possible to go from a 400(high) credit score to a 640 in a little over a year and a half? 

[tboy1977]

I hope so.  My score dropped 37 points today.  I have a 456

[mschang]

i was in the 400s and got into the 500s after having a secured CC for almost a year. got over 600 by cleaning up my credit report. i'm at about the year and a half mark.

but i have 12 years of good credit history with the exception of a super bad spell in 2008 and 2009; everyone will be different depending on what else they have going on.

getting a secured card seems to help a lot so i would start there...

[dujaidecor]

Anything is possible....I was in the 400s(2 1/2) months ago. Now I am in low 600s and moving on up!

So, its surely is possible. I plan to be about 660 by the end of the year if all goes well

[tboy1977]

I've had two secured cards for nearly 18 months.  No lates.  I have five cards total.  No lates or other baddies since bk and my score is a beautiful 456.

[SSH0126]

Wow well there is some encoraging and discouraging..Im sticking with the positives..

Does anyone know how accurate the myfoc stimulator is? 

[tboy1977]

I hope I do not discourage....FIGHT THE FIGHT!!!  If nothing else, I have CREDIT!  The score may not be what I want, but I have the accounts.  It's better than some right?  The way I see it (I'm reminding myself in this depressed fog) the scores will one day go UP!!  If I keep not being late, eventually the payment history has to make an impact.

[SSH0126]

You are so right. we have had so many things happen we will get close to 600 and then life happens so now we are in a position to change all that and have savings and etc and pay things off once and for all !!! I am thankful for this website for sure..tboy1977 you fight too lol..

[doc101]

Yes, you can raise your score, but you will need time and patience. When I finally decided to work on my scores, I was in the low 400's. After getting 2 secured cards and cleaning up my reports, my scores are 612 and 583. Stay the course and above all, you can find help and support out here on the forum....I sure did

[SSH0126]

doc101 hoq long have you had the secured cards?
For everyone that has secured who do you have them with ?