https://ficoforums.myfico.com/t5/General-Credit-Topics/Hope-for-everyone/m-p/7994#M4882 <P>Several years ago, due to life circumstances, I had horrible credit.&nbsp; My credit score was in the low 500s.&nbsp;&nbsp; It was a nightmare!&nbsp;&nbsp; As of last month, my score is 790.&nbsp; (When I hit 800, I want to have a major celebration.)&nbsp; Presently, my only debt is my house.&nbsp; My car is paid off, I pay off my credit cards each month and have begun putting money into savings.&nbsp;&nbsp; It has been a long recovery with lots of sacrifice.&nbsp;&nbsp; It has been helpful to see the impact of credit management reflected on myfico.com scorewatch scores.&nbsp;&nbsp; I am slower to open new cards, charge on old cards&nbsp;or play the balance transfer game.&nbsp;&nbsp; If I can do it so, can others!!&nbsp; It's a great feeling!</P> Sun, 13 May 2007 00:54:37 GMT Anonymous 2007-05-13T00:54:37Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Hope-for-everyone/m-p/7994#M4882 <P>Several years ago, due to life circumstances, I had horrible credit.&nbsp; My credit score was in the low 500s.&nbsp;&nbsp; It was a nightmare!&nbsp;&nbsp; As of last month, my score is 790.&nbsp; (When I hit 800, I want to have a major celebration.)&nbsp; Presently, my only debt is my house.&nbsp; My car is paid off, I pay off my credit cards each month and have begun putting money into savings.&nbsp;&nbsp; It has been a long recovery with lots of sacrifice.&nbsp;&nbsp; It has been helpful to see the impact of credit management reflected on myfico.com scorewatch scores.&nbsp;&nbsp; I am slower to open new cards, charge on old cards&nbsp;or play the balance transfer game.&nbsp;&nbsp; If I can do it so, can others!!&nbsp; It's a great feeling!</P> Sun, 13 May 2007 00:54:37 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Hope-for-everyone/m-p/7994#M4882 Anonymous 2007-05-13T00:54:37Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Hope-for-everyone/m-p/8029#M4908 <DIV>Kris I am with you. I almost got killed on a motor scooter in 1990. As a result I have both a chapter 7 &amp;13 bankruptcy. Four years ago my fico score was around 500. Now it is 715 because I have done somethig about wanting to improve. Since tehn I have never been late. In 1-2 years from now I estimate my score to be 730-750</DIV> Sun, 13 May 2007 08:58:35 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Hope-for-everyone/m-p/8029#M4908 CreditBob 2007-05-13T08:58:35Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Hope-for-everyone/m-p/8030#M4909 <DIV>I wanted to let everyone know that MYFICO site, this one, has a score simulator. Check it out. It gives you an idea of what yopur score can be.<STRONG>&nbsp; www.bankrate.com/fico</STRONG></DIV> Sun, 13 May 2007 08:59:49 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Hope-for-everyone/m-p/8030#M4909 CreditBob 2007-05-13T08:59:49Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Hope-for-everyone/m-p/8031#M4910 <DIV>When you go to <STRONG><A target="_blank" href="http://www.bankrate.com/fico">www.bankrate.com/fico</A>&nbsp; click on "get started"</STRONG></DIV> Sun, 13 May 2007 09:02:06 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Hope-for-everyone/m-p/8031#M4910 CreditBob 2007-05-13T09:02:06Z