Established Contributor
jamie123
Posts: 772
Registered: ‎03-22-2012
Re: Hi Newbie with some questions on TU and general advice for my situation

Welcome to the forum!

 

Well....Just what is your definition of "a ton of charge offs"?

 

When is the DOFD (Date of First Deliquency) for your forclosure?

 

To have good credit scores you MUST use your credit cards gently each month and pay them in full without carrying a balance month to month. If you just put your credit cards in your sock drawer and don't use them you will not build good credit scores. High FICO scores are acheived by demonstrating the ability to manage credit wisely.



Starting Score: EQ 658 6/18/12
Current Score: EQ 671 8/4/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
Take the FICO Fitness Challenge