Happy to report that thanks to this forum and this website I was able to rebuild my credit and get the car I had been wanting.
9 months ago, I was coming off a major lawsuit in which I was the defendant, that had drained my funds and left me with many late payments, over 100% credit utilization (cards were over their limits) closed credit card accounts with balances and credit scores between 575-599.
The lawsuit had forced an emergency injunction on me which caused me to stop conducting my business and thus unable to make money. Thankfully, I was able to settle the lawsuit and begin working again (and thus making money). Even after I began making a good living again, my credit was in very bad shape and very limiting. I wasn't sure what to do but luckily I found this website and this forum.
Fast forward to today, my credit scores are 705/700/709 and i have 0% credit card utilization (all cards paid in full every month). Last week, I purchased a Mercedes AMG GTS, which I was approved for within less than 30 minutes of filling out the credit app.
I do not contribute here much but wanted to say "thank you" for the wealth of information and resources this website and forum offers that has helped me so much.
Fantastic news, and congrats on the improvements....nice Whip