Re: Success Stories and Encouragem
11-08-2007 01:55 PM
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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