topic Today was the day - all three reports clean! in Rebuilding Your Credit

Today was the day - all three reports clean!

GreyvyTrain — Thu, 02 Jul 2026 02:37:46 GMT

I joined here in March 2024 with horrible scores, multiple charge-offs, and a handful of collections.

I wanted to come back and say there is always hope with time, and to thank everyone for all the advice along the way. Today, my final charge-off fell off Equifax, which was the last derogatory mark I had left.

It almost doesn’t feel real coming from sub-500 scores back in 2019 to finally having all three reports clean. Since joining this site and taking in the sound advice shared here over the years, I’ve been able to purchase my first-ever new car, and I now feel confident that I’ll be in a much better position to buy my first home with the best rates possible soon.

Thank you again to everyone here who shares advice, data points, and encouragement. This forum has helped me a lot over the years.

Re: Today was the day - all three reports clean!

Patient957 — Thu, 02 Jul 2026 03:41:02 GMT

Congrats! It's definitely a good feeling.

Re: Today was the day - all three reports clean!

JoeRockhead — Thu, 02 Jul 2026 08:18:10 GMT

Congratulations on the achievement and keep up the great work!

Re: Today was the day - all three reports clean!

Vinjints — Thu, 02 Jul 2026 12:08:05 GMT

Congratulations on the hard work paying off for you, and on the new wheels. Here's hoping you can continue on your path with some new, positive ingrained habits and practices.

Re: Today was the day - all three reports clean!

Snow-Leopard — Thu, 02 Jul 2026 23:11:09 GMT

Congratulations on a job well done!

Re: Today was the day - all three reports clean!

SusanJA — Thu, 02 Jul 2026 23:24:34 GMT

Congrats!!! Cue up the Ice Cube Today was a good day!