Thanks. Words cannot express my gratitude for every single person and their stories, good and bad and all the insight on this forum. I am so glad and feel fortunate I stumbled across it when I did. I came here in Jan 2017 with like a 514 score , 2 $300 crap one cards, and a bunch of collections. I still have a long way to go but from all the reading, the collections are gone. Only the couple lates from almost 3 years ago still exist( have been trying for removal but no success yet). I went from $600 in credit to over $45k in approx 1.5 years ( probably could be further ahead in scores and credit obtained but it's a learning process). I have joined and rec'd cc's from navy, dcu and penfed and refinance a 14 percent car loan to 3.9%. None of this would have ever happened without all of you. I was very clueless. I feel very informed now but feel I still have so much more to absorb and learn. Thanks again!
