New Contributor
Posts: 51
Registered: ‎03-28-2013

Rebuilding... 1 year later 11/2013

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!

VS- $500, BarclayCard - $1200, Lowes - $5000, Old Navy - $1400, CapOne - $200, Chase Freedom - $1200
Started My credit rebuilding 11/2012 (stating scores in the low/ mid-500s)
Current scores - EQ 690. TU 724, EQ 719
Closed on my first home 7/25/2013!!! THANK YOU SO MUCH MyFico!
Gardening until 3/1/2014
Frequent Contributor
Posts: 303
Registered: ‎04-18-2013

Re: Rebuilding... 1 year later 11/2013

Congrats thanks for the great advice and encouragement.
Samsung mobile
Posts: 17
Registered: ‎10-15-2013

Re: Rebuilding... 1 year later 11/2013

Congrats. I've been rebuilding for 7 months. It's nice to see success stories. Keep up the good work.
Community Leader
Senior Contributor
Posts: 26,659
Registered: ‎02-07-2013

Re: Rebuilding... 1 year later 11/2013

Thanks for sharing your success and for that I say BRAVO

It will surely empower someone to know that it can be done

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13

Valued Contributor
Posts: 1,277
Registered: ‎01-23-2013

Re: Rebuilding... 1 year later 11/2013

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.

Regular Contributor
Posts: 198
Registered: ‎09-10-2013

Re: Rebuilding... 1 year later 11/2013

Wow! Congratulations, that is wonderful to hear.  I am hoping I will have the same success that you have had after a year.

Starting Score: TU 607, EX 606, EQ 611
Current Score: TU 658, EX 666, EQ 653 - FAKO scores TU 744, EX 735, EQ 728 - I wish these were my real scores!
Goal Score: 750 across the board

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Regular Contributor
Posts: 144
Registered: ‎11-09-2013

Re: Rebuilding... 1 year later 11/2013

Holy cow.  Congratulations.


I'm hoping to share a similar story this time next year.



Starting Score: EQ: 570 TU: 626 EX: 594 (11/9/13)
Current Score: EQ: 663 TU: 648 EX: 650 (5/2/14)
Goal Score: 750

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