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 06:13 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.