https://ficoforums.myfico.com/t5/General-Credit-Topics/Very-Angry/m-p/20116#M14003 <DIV>Ok ive been addicted to all these post reading searching learning everyday.&nbsp; It is really really starting to frustrate me to no end!!!!!! I dont think my credit is really that bad for over than 15 years of credit history. 2 charge offs in 02 (paid in full) 20 something late pays in a about a 9 year time span,,,,several installment loans over a long time with no late and good payment history,, harley ive been paying on for 3 years havent been late one time a new truck havent been late in 2 years i have one CC with a freakin 0 balance!!! my scores are TU500 EP523 EQ547 how in the world could all these ppl in here that have a BK 3 years ago have better scores than me??? this frustrates the heck outta me!!!!!! guess Im the guy who is gonna just always have low scores!!!!!</DIV> Tue, 19 Jun 2007 22:28:20 GMT Anonymous 2007-06-19T22:28:20Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Very-Angry/m-p/20116#M14003 <DIV>Ok ive been addicted to all these post reading searching learning everyday.&nbsp; It is really really starting to frustrate me to no end!!!!!! I dont think my credit is really that bad for over than 15 years of credit history. 2 charge offs in 02 (paid in full) 20 something late pays in a about a 9 year time span,,,,several installment loans over a long time with no late and good payment history,, harley ive been paying on for 3 years havent been late one time a new truck havent been late in 2 years i have one CC with a freakin 0 balance!!! my scores are TU500 EP523 EQ547 how in the world could all these ppl in here that have a BK 3 years ago have better scores than me??? this frustrates the heck outta me!!!!!! guess Im the guy who is gonna just always have low scores!!!!!</DIV> Tue, 19 Jun 2007 22:28:20 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Very-Angry/m-p/20116#M14003 Anonymous 2007-06-19T22:28:20Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Very-Angry/m-p/20118#M14005 <DIV></DIV><DIV><BR /></DIV><BLOCKQUOTE><DIV><HR />motoracer wrote:<BR /><DIV>Ok ive been addicted to all these post reading searching learning everyday.&nbsp; It is really really starting to frustrate me to no end!!!!!! I dont think my credit is really that bad for over than 15 years of credit history. 2 charge offs in 02 (paid in full) 20 something late pays in a about a 9 year time span,,,,several installment loans over a long time with no late and good payment history,, harley ive been paying on for 3 years havent been late one time a new truck havent been late in 2 years i have one CC with a freakin 0 balance!!! my scores are TU500 EP523 EQ547 how in the world could all these ppl in here that have a BK 3 years ago have better scores than me??? this frustrates the heck outta me!!!!!! guess Im the guy who is gonna just always have low scores!!!!!</DIV><BR /><HR /></DIV></BLOCKQUOTE><DIV>Take a deeeeeeeeeeeeeeeeeeep breath.&nbsp; Don't be frustrated -- your scores can only improve, right? It just takes knowing the system and doing some work.&nbsp; There is a lot of good advice here and helpful resources.</DIV><DIV>&nbsp;</DIV><DIV>IMHO: (1) write GWs for the 2 COs; (2) write GWs for the late pays; (3) keep paying absolutely everything on time; (4) use your credit card, that's what it's there for -- you have to show you can handle credit responsibly by paying on time and keeping util&nbsp;at 1 - 9 %; and (5) get a few more CCs.</DIV><DIV>&nbsp;</DIV><DIV>Good luck!<BR /></DIV><DIV></DIV> Tue, 19 Jun 2007 22:39:33 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Very-Angry/m-p/20118#M14005 Anonymous 2007-06-19T22:39:33Z