Rebuilding... 1 year later 11/2013

[Cubist]

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!

[creditscoreEE]

Congrats thanks for the great advice and encouragement.

[Mikielf]

Congrats. I've been rebuilding for 7 months. It's nice to see success stories. Keep up the good work.

[myjourney]

Thanks for sharing your success and for that I say BRAVO

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

[Gunnar419]

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.

[NibblesTreats]

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

[mechanicaljen]

Holy cow.  Congratulations.

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