@Anonymous wrote:When I was 18 I sucked up every credit offer, car, and loan that got threw my way. I was young and dumb and defaulted on many of them and eventually had a repossesion on my hand. Over the years when creditors tracked me down I paid them off, and got it in writing for removal from my credit score. I just never bothered trying to get anything on credit because I knew just how horrible mine was. Or maybe it wasn't...
@A year ago I decided I wanted to build a new PC. I built it on NewEgg, and applied for the preferred account, for the No Interest promotion, obviously. I was denied. Got me to thinking about my past.. A few weeks later, I get an offere from Capitol One and figure if I am going to rebuild this, I have to start SOMEWHERE. Filled out the app and BOOM $2,500 limit. A week later, my bank sends me an offer and BOOM $4,000 limit. So I start wondering about my credit and pay to pull my scores from here. Mid 600's, I was surprised. Not a single negative remark on it (I guess stuff fell off eventually). So, I sat my sights on buying my first home. One problem... I had failed to file my taxes for the past 10 years, horrible and stupid yes I know. I was determined to move forward... I filed ALL of the old returns, I owed the IRS no money and even got some of it back. I owed the state alot of money, and I paid it off. So, fast forward 2 months here I am with the keys to my very own home that I purchased @ 4.375% and $128,000. Awesome. I couldn't believe it. As the time went by I have added a few cards here and there and gotten CLI's on all of my cards and now I own a home! I make sure to always pay them on time even if I splurged a little and can't pay the full balance off.
That brings us to today... 748 score... Sitting here thinking back on getting denied by NewEgg Preffered I said, hah... I bet you won't deny me now! So, off I went... I filled the cart up, went through checkout, filled out the app for the 12 months interest free, and hello $4,000 CL.
I'll never let myself get to where I used to be. This will be the first year in many years I will be happily filing my taxes on time and eagerly awaiting my refund. I used to never be able to get anything on credit and now I get letters of offers every day. It's a good feeling. I obviously don't take those offers but I have a stack where I keep them, to remind myself how far I have come. I think there's well over 150 offers in that box now, lol...
Anyways, a little pat on the back for myself I guess and thanks for reading. If you don't think you can turn it around I am proof, you can!
Congratulations and your story was a great read. 
Thanks
When I was going through my process of rebuilding I was like a ninja lurking in the shadows on these forums. I may not have many posts and i haven't visited in quite a while but this place helped me so very much in understanding stuff I would have never been able to otherwise. Only right to share a little of my story with that being said
Great work! Congrat on all you successes!
good work congrats on your success
Congrats on your credit journey! Thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Grats to all your success
