I have been reading these forums for a little over a month now, taking in a much information as possible. When I began reading in late February, I was hurting! I'd let my FICO drop to 524. This wasn't due to a bankruptcy, just mere irresponsibility. I had an awakening, so to speak, and have been obsessed with righting all of my wrong doing and cleaning up the mess I left behind. In the first month I've taken my first small steps:
- Brought all payments current
- Brought my utilization down to around 50%..A ways to go here, but better than where I started.
- Disputed a TL on my CR and it was removed.
- Called a collection agency (small local one) and asked them if they'd remove a PIF collection, and they did!
I'm proud to report that in about 45 days, my credit score has shot up to 590!
I realize that I have a loooooooong way to go, but I wanted to thank you all for inspiring me to get responsible with my credit...and giving me hope that it's not too late!
Starting Score: 524
Welcome to the forums....
Way to go!!!
Congrats on your success, stay focused and keep up the good work!!!
*8/10/13
Welcome and great work so far! Congrats, keep it up! 
Starting Score: EQ 717 EX 724 TU 736