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First credit cards in years!

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Anonymous
Not applicable

First credit cards in years!

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.
Message 1 of 18
17 REPLIES 17
Anonymous
Not applicable

Re: First credit cards in years!

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

Message 2 of 18
simplynoir
Community Leader
Mega Contributor

Re: First credit cards in years!

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

Message 3 of 18
Anonymous
Not applicable

Re: First credit cards in years!

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

Message 4 of 18
Anonymous
Not applicable

Re: First credit cards in years!

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.

Message 5 of 18
ShatteredK
Regular Contributor

Re: First credit cards in years!

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:
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Message 6 of 18
Anonymous
Not applicable

Re: First credit cards in years!

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. 

Message 7 of 18
Anonymous
Not applicable

Re: First credit cards in years!

Yes...congratulations and well done!

Message 8 of 18
Anonymous
Not applicable

Re: First credit cards in years!

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!
Message 9 of 18
AverageJoesCredit
Legendary Contributor

Re: First credit cards in years!

Hi Op, great job, very inspiringSmiley Happy. Wish you continued success.

Ok , now to the nitty gritty, do you feel like sharing what card you got approved for? Smiley Wink Any other data points to help others who may be in a similar situation. Thanks
Message 10 of 18
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