Hey there...  I started reading this forum in June 2008 and have begun the long journey of recovering my credit.  I have decided to log my activity as I take this journey for two reasons.  First, if anyone has suggestions or critiques, I would love to hear it.  Second, if anyone is about to start a similar project, they may learn from my mistakes.

 

So, here we go!

 

6-4-2008 - Denied for multiple CC apps, seeking a new gas card.  went online and pulled all 3 fico reports:

 

EXP - 577    EQU - 530  TRANS - 542

 

This is when I began reading everything I could on these forums.  I found that much of my report was inaccurate or outright did not belong to me.  I began the dispute process as soon as I had a clear understanding about how it worked.