First credit cards in years!

Anonymous · ‎02-23-2018

When I was a younger I was extremely irresponsible and let my credit score plummit to a 450 at its lowest. Paying 19% interest on a used car and having to pay someone 2k a month for rent with 2 kids because i can't get a mortgage made me realize enough is enough. Time to man up and fix my poor situation.

Since April of 2017, ive raised my score from a 450 to a 635, and offically now have 3 credit cards for the first time in 7 years!

All of you in theae forums has really helped me to figure this all out. I went from trying to find tricks to get out of my situation, to fully understanding that I alone made this bed for myself so I alone have to fix it the right way. So thank you all, this journey couldn't have started or gotten anywhere without these forums.

So here's to learning the hard way 6 years later, but to those out there who were once like me and blamed the collections, past due accounts etc. On everyone else but yourself, wake up and smell the roses. You got yourself there, time to get up and get out.

Anonymous · ‎02-23-2018

Congrats on improving your financial situation and getting your first credit cards in years.

simplynoir · ‎02-23-2018

Congratulations on your rebuild success so far. Just shows what one can accomplish when they set their minds to it.

Anonymous · ‎02-23-2018

Taking responsibility is a powerful drug...Congrats on your cards and the new beginning...

Anonymous · ‎02-23-2018

Congratulations for geting your card! Major hat tipping to you as you have figured it out and instead of wishing all of the bad mojo would go ago, you realized your mistake(s) and more importantly have changed your habits for what seems to to be for the better. I wish you nothing but the best on your re-build.

ShatteredK · ‎02-23-2018

Congratulations on your credit rebuilding journey, looks like your doing well!

.:: AmEx Gold Delta | AmEx Blue Cash | Citi AAdvantage | Chase Amazon Prime Signature Visa | Wells Fargo Platinum::.
02.15.18:

Today:

Anonymous · ‎02-23-2018

Congratulations! Kudos to you for taking charge and changing the course of your credit journey for the positive. I think every person has something to learn from your story, whether it be a newbie or experienced forumer. We all can take inspiration from you. So thank you for sharing your story. 6 years is a loooonggg time but I am sure you will catch on real quick. Best of luck on the rest of your rebuild.

Anonymous · ‎02-23-2018

Yes...congratulations and well done!

Anonymous · ‎02-23-2018

Thank you all!

I really fell into debt when i was in college. Working 2 pt jobs while renting my own apartment I just lost control.

Years later with a great paying job I was able to do it, just never did until my wife gave me the business during a discussion we had about how we basically kicked ourselves in the rear the past 4 years giving a total of 108,000 in rent to our landlord instead of just investing into our own house. So i have her to thank, but now her credit will be the issue. My how the tables have turned the lazy, wait till the last minute husband now has to put a boot up her butt to get herself in check too lol. Thanks all!

AverageJoesCredit · ‎02-23-2018

Hi Op, great job, very inspiring

. Wish you continued success.

Ok , now to the nitty gritty, do you feel like sharing what card you got approved for?

Any other data points to help others who may be in a similar situation. Thanks