It has been a crazy road getting to that 640 number. I started at 526 a little over a year ago, and got everything cleaned up on my credit history so the only debt that I have is my car payment which is fairly small and my 3 small balances on my credit cards. I never thought the credit gods would allow me to have a house now hopefully I can find a house that I like and from there it goes pretty smooth!
Starting Score: 526