10-17-2012 01:12 PM
So I am on this forum pretty often, but don't post a lot. For the past year I have been working to rebuild my credit and initially thought I could bring up scores that were in the mid 500 range to 700 in a year. Long and short of the story, it did not happen, but was happened is a new relationship that I have with my money and paying my bills on time. I had several misreported credit items on my report that were because my brother and I have very similar names. I opened up two credit cards and have been paying them on time, paying off my school debt and setting up payments for two accounts that I am unable to get pfd. What I've learned is that rebuilding my credit will take time and that is okay. That is how the process is suppose to work. We can't take care of our credit issues overnight, learning new behavior does not happen overnight. So here is what has happened my credit score has gone up anywhere from 80-100 points across the board.
I feel like I am on the path to true financial stability and it feels great and it is in large part due to this group. So just want to send out a big thank you to y'all!!
10-17-2012 02:16 PM
What are your scores looking like?
10-17-2012 03:10 PM
WOW 4us- I see that you filed BK in June and your post BK score is already in the mid 600's. Is there any advice you can shoot over to someone who is about to file. And yes, completely new to the forum and process!
10-17-2012 05:41 PM
10-17-2012 07:20 PM
Keep the debt low and keep going forward! Nothing of ANY VALUE comes easily. Congrats.
10-17-2012 07:26 PM
10-18-2012 10:28 AM
I never filed for BK. I just have a really bad credit score and working on getting it together. For me there were serious errors on my credit report, my brother has a judgment and has a very dilinquent bill, so getting those off helped immensely. Now I am just dealing with my own craziness. Hope that helps. Peace!
10-18-2012 10:28 AM
Love your three P's!!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.