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I feel the same way. And when it was already bad (532) I plummeted to 491. That's when I decided I better take action and just work on one thing at a time! I'm hoping to see some results soon!
Jennaalye wondering is right. Just a few words of encouragement. Never give up!!! I neglected my credit for the past 5 years. I just sat there and thought the same exact thing, that I'm done or have to wait for 7 years. Then I really want to buy a house and got directed to this board. It is so amazing. My scores went up 100 points in 1 month. So you can do it too.
By the way all, how do you apply for this crown jewlers credit card? Is it online?
I was in a similar situation, well I still am because I am currently rehabbing my SLs. The interest, penalty fees and principal total almost $80,000.
I started my credit repair 12/07. My EX score was 533 and my TU score was 481. I am not sure what EQ was back then, but as recently as June it was only 481.
Since 12/07, I have obtained the following cards: Macy's, HSBC MC, Orchard MC, BOA Secured Visa, National City Secured Visa, Target, Speigel and Newport News. The last 3 were pre-approvals.
Never in a million years would I believed that I would be where I am creditwise.
I previously felt that I was doomed to have bad credit all my life. I know that is not the case now.
I pulled my EX score yesterday and could not believe when I saw that it was 622.
I still have many collections, PRs(paid tax lien and paid judgement) and my defaulted SLs.
I have 2 more rehab payments to make before my loans are funded.
Oh yeah, plus my wages are being garnished for a small SL($2200) that I took out a few years ago. My last garnishment will be the end of Jan 09. My wages were also garnished in August for the tax lien. The state took the full amount out of one paycheck. Fortunately it was only $967.
I am really looking forward 2009 because my main SL will be out of default, the small SL will be paid in full and my car will be paid off by March.
Rebuilding my credit has been a rough journey for me, but it has been well worth it.
I hope that my experience will help you to see that you don't have to settle for having bad credit.
I have live underground for over 15 years...not being able to finance a car in my own name, barely able to get an apartment in my own name, being fired because of my bad credit or not able to get the job of my choice,not being able to rent a car or book a hotel room or buy a house. Those days are over for me.