https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361561#M457018 <P>I just want to drop a note on this board to say thank you to those who provide excellent advice and share their stories on here and to give a word of encouragement to those who think they are never going to be able repair their credit problems. My wife and I used the advice of this board to make major improvements to our credit and are now on the verge of buying our first home.</P><P>&nbsp;</P><P>In May 2014 I started using myFICO to monitor my Experian credit score - it was 574. My wife's was 524. I had defaulted student loans, unpaid medical collections, and lots of late payments on my few revolving credit accounts. My wife had defaulted student loans, a bankruptcy, a few collections, and lots of late payments on a few revolving credit accounts.</P><P>&nbsp;</P><P>Since then between us we've opened 2 secure credit cards, 8 unsecured credit accounts (bank and store), rehabbed our student loans (and my wife was able to get $17,500 of loans forgiven as a teacher), successfully DV'd several collections, paid a remaining collection, financed a new car, and patiently waited for some collections and her bankruptcy to fall off our credit reports.</P><P>&nbsp;</P><P>As of right now, my scores are EQ692, TU720, EX713; her scores are EQ700, TU720, EX697.&nbsp;</P><P>&nbsp;</P><P>This week we were pre-approved for "whatever we want" (in the words of our loan officer) for a VA home loan. Realistically, we are about to buy a home in the range of $200,000 on the islands east of Savannah, GA. I'm still "working the system" to eke out a few more Equifax credit score points to get into a lower interest rate bracket.&nbsp;</P><P>&nbsp;</P><P>All of that said, this forum and the wealth of information contained here and the success stories we read about from other users, is the reason we are&nbsp;about to achieve our dreams.</P><P>&nbsp;</P><P>So, thank you, and you can do it!</P> Mon, 07 Dec 2015 02:25:21 GMT Anonymous 2015-12-07T02:25:21Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361561#M457018 <P>I just want to drop a note on this board to say thank you to those who provide excellent advice and share their stories on here and to give a word of encouragement to those who think they are never going to be able repair their credit problems. My wife and I used the advice of this board to make major improvements to our credit and are now on the verge of buying our first home.</P><P>&nbsp;</P><P>In May 2014 I started using myFICO to monitor my Experian credit score - it was 574. My wife's was 524. I had defaulted student loans, unpaid medical collections, and lots of late payments on my few revolving credit accounts. My wife had defaulted student loans, a bankruptcy, a few collections, and lots of late payments on a few revolving credit accounts.</P><P>&nbsp;</P><P>Since then between us we've opened 2 secure credit cards, 8 unsecured credit accounts (bank and store), rehabbed our student loans (and my wife was able to get $17,500 of loans forgiven as a teacher), successfully DV'd several collections, paid a remaining collection, financed a new car, and patiently waited for some collections and her bankruptcy to fall off our credit reports.</P><P>&nbsp;</P><P>As of right now, my scores are EQ692, TU720, EX713; her scores are EQ700, TU720, EX697.&nbsp;</P><P>&nbsp;</P><P>This week we were pre-approved for "whatever we want" (in the words of our loan officer) for a VA home loan. Realistically, we are about to buy a home in the range of $200,000 on the islands east of Savannah, GA. I'm still "working the system" to eke out a few more Equifax credit score points to get into a lower interest rate bracket.&nbsp;</P><P>&nbsp;</P><P>All of that said, this forum and the wealth of information contained here and the success stories we read about from other users, is the reason we are&nbsp;about to achieve our dreams.</P><P>&nbsp;</P><P>So, thank you, and you can do it!</P> Mon, 07 Dec 2015 02:25:21 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361561#M457018 Anonymous 2015-12-07T02:25:21Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361624#M457021 <P>Congratulations on your success and for your new home! &nbsp;That's huge!</P> Mon, 07 Dec 2015 03:20:02 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361624#M457021 Anonymous 2015-12-07T03:20:02Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361628#M457023 <P>congrats and great story. I have also learned alot from this site and trying to buy a house. Feels Good</P><P>&nbsp;</P> Mon, 07 Dec 2015 03:22:43 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361628#M457023 Anonymous 2015-12-07T03:22:43Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361671#M457026 <P>Congrats! That's awesome!</P> Mon, 07 Dec 2015 04:04:05 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361671#M457026 Anonymous 2015-12-07T04:04:05Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361713#M457029 Nice! Congratulations Mon, 07 Dec 2015 04:47:34 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Couldn-t-have-done-it-without-you/m-p/4361713#M457029 FIRECOURAGE 2015-12-07T04:47:34Z