Repo, Collections, and now Unsecured CC!!!

[Anonymous]

I'm 23 yrs.

In the time frame of a year I hit rock bottom. Now I'm climbing back up that mountain.

2011:

I quit a job then lost the other. Found another job but wasn't payed for 2 month!! frustrated

Car was repo'd and had to settle on a handful of collections(4+) So i obviously took a hit.

To get back on track I applied for a Secured NFCU Nrewards.

Fast forward 2012 lots of patience and now a mail in offer for CapOne unsecured Platinum Visa No Annual fee!

I app'd and now have a $500 CL, recieved it and noticed that there is a  "Step Up" program which states, "Use the card and pay on it for 5 mths and on your 7th statement you'll automatically recieve a CL increase", it's nice to know that I've done something right.

In summary, patience and diligence pays off no matter how long that road may seem someone notices.

[wreith]

congrats on your journey, at least you're getting it together while you are still young, I hid my head in the sand for the longest time.  Now in my 40's am I finally getting it cleaned up and my FICO's moving in the right direction.