11-08-2013 08:49 AM
I started my credit building/ rebuilding one year ago today. I have accomplished my goals and then some! I don’t post too much, but I read here every day and have learned so much. I just wanted to thank you all for the great advice (even if it wasn’t given directly to me).
My credit report wasn’t too horrible since I never had too much credit extended to me. I was just pretty bad at paying bills when I was younger. I had a judgment from a landlord’s lawsuit, a handful collections and, and a couple of late payments. Nothing really positive to speak of other than a secured card from CapOne.
My credit sores ranged from 502 to 513 last year.
With good advice, persistence, and smarter thinking about my credit, in one year I raised my score all up above 700, bought my first house, and have a few credit cards that will suit my needs and grow with me this year. I just wanted to say thanks to my fellow MyFicoers.
Hang in there. It seems like a daunting task to clean up an build credit, but the payoff in the end is huge and will serve you well!
11-08-2013 06:02 PM
Thanks for sharing your success and for that I say BRAVO
It will surely empower someone to know that it can be done
11-08-2013 06:13 PM
That's a great success story. Sharing it will surely encourage people who are just beginning their credit clean ups and even more those who've started and feel stuck! Thanks.
11-08-2013 07:36 PM
Wow! Congratulations, that is wonderful to hear. I am hoping I will have the same success that you have had after a year.