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    <title>topic Re: General credit update and thank you in General Credit Topics</title>
    <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1461812#M163757</link>
    <description>&lt;P&gt;People here really are special. &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
    <pubDate>Sun, 24 Jun 2012 14:59:59 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2012-06-24T14:59:59Z</dc:date>
    <item>
      <title>General credit update and thank you</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1460636#M163722</link>
      <description>&lt;P&gt;Good morning everyone.&lt;/P&gt;&lt;P&gt;Just a general update and hopefully an inspiration to others on credit growth gardening.&lt;/P&gt;&lt;P&gt;If I can grow my score...anyone can!!!&lt;/P&gt;&lt;P&gt;As you can see by the scores below, I was a mess when I first found this website. But by reading and asking questions I began to understand how to up my scores and keep them there.&lt;/P&gt;&lt;P&gt;With hard work and information from this site, I have been able to 1)raise my scores....2) Actually have a Mortgage for 465,000 (VA loan)....3) New car loan (14,5000).....all within 2 years.&lt;/P&gt;&lt;P&gt;I got the below scores this morning.... and was very happy with the numbers :-).&lt;/P&gt;&lt;P&gt;I still have some old derog marks (lates) that will fall off completely in 11 months...(prob not pulling my score down at this point but at least I wont have to look at them EVER again :-).&lt;/P&gt;&lt;P&gt;So keep up the good hard work!!!!!!!!!! You can do it!!!!! And good luck.&lt;/P&gt;&lt;P&gt;-st4stinger4&lt;/P&gt;</description>
      <pubDate>Sat, 23 Jun 2012 11:07:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1460636#M163722</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-06-23T11:07:43Z</dc:date>
    </item>
    <item>
      <title>Re: General credit update and thank you</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1461292#M163739</link>
      <description>&lt;P&gt;Posts such as yours are the reason why we are all here!&lt;/P&gt;&lt;P&gt;Congrats on the improvement, and on the initiative to learn the ropes!&lt;/P&gt;</description>
      <pubDate>Sat, 23 Jun 2012 22:21:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1461292#M163739</guid>
      <dc:creator>RobertEG</dc:creator>
      <dc:date>2012-06-23T22:21:49Z</dc:date>
    </item>
    <item>
      <title>Re: General credit update and thank you</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1461812#M163757</link>
      <description>&lt;P&gt;People here really are special. &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Sun, 24 Jun 2012 14:59:59 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1461812#M163757</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-06-24T14:59:59Z</dc:date>
    </item>
    <item>
      <title>Re: General credit update and thank you</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1462244#M163770</link>
      <description>&lt;P&gt;650 is "a mess"?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /&gt;&lt;/P&gt;</description>
      <pubDate>Sun, 24 Jun 2012 21:22:09 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1462244#M163770</guid>
      <dc:creator>mschang</dc:creator>
      <dc:date>2012-06-24T21:22:09Z</dc:date>
    </item>
    <item>
      <title>Re: General credit update and thank you</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1462328#M163775</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/591124"&gt;@mschang&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;650 is "a mess"?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Back in my credit dark days, I would&amp;nbsp;have said the same about a 560 so it is all a mater of prospective.&amp;nbsp; Never give up and every&amp;nbsp;single person here can improve their score.&amp;nbsp; I did so you can too.&amp;nbsp; I promise that.&lt;/P&gt;</description>
      <pubDate>Sun, 24 Jun 2012 23:11:58 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1462328#M163775</guid>
      <dc:creator>marty56</dc:creator>
      <dc:date>2012-06-24T23:11:58Z</dc:date>
    </item>
    <item>
      <title>Re: General credit update and thank you</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1462550#M163785</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/591124"&gt;@mschang&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;650 is "a mess"?&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;img id="smileysad" class="emoticon emoticon-smileysad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-sad.gif" alt="Smiley Sad" title="Smiley Sad" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;No no my friend keep your head up your on the right track!!&lt;/P&gt;</description>
      <pubDate>Mon, 25 Jun 2012 03:21:33 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/General-credit-update-and-thank-you/m-p/1462550#M163785</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-06-25T03:21:33Z</dc:date>
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