Established Contributor
Posts: 852
Registered: ‎09-18-2007
Re: Success Stories and Encouragement
Boy, pretty similar history...did not go the BK route at all....felt I honestly owed the money, went to a debt management agency.  Would open bills, pay them....but never, never add all of them up and see how much I really owed.   SCARY !!!  Now, 9 months left, have not received a phone call in 3 years, its so nice to think the phone ringing is a friend (or even a telemarketer, better than a bill collector !).  Feeling of peace.  Now buying a home, will not ever, ever get into that mess again.  Was not even going to get a credit card again, until I started reading these forums and realized how important they are to your credit.  House will be furnished on as can pay basis !!!

Starting Score: EQ 679, TU 697
Current Score: EQ 680, TU 672
Goal Score: EQ 720, TU 720

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