Established Contributor
InvincibleSummer3
Posts: 640
Registered: ‎11-20-2012
Re: New low fico- 515

Starting score of 480, right here. And that was a FICO score. There was really nowhere to go but up....

 

The key for me was learning what affects scores. This is an awesome thread, highly recommended as a jumping-off point:

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Your-Guide-to-Credit-Scoring/m-p/718550#M1168...

 

If you'd like direction on what to do with negatives on your report, just head over to the Rebuilding forum and browse a bit. Or, even better, post and see what feedback you get. The people here are really lovely. I'm roughly 10 months into my rebuilding and I'm mid-600's. Change is possible! Good luck.