What a difference a year can make!

[OmarGB9]

Grats

[Anonymous]

Congrats...slow and steady. It is amazing what can be achieved in 1 year of positive attention versus years of not knowing what to do or feeling hopeless. 

[Anonymous]

Congrats!! I, also, started my credit journey recently (Feb 2015) and it's not easy but can be done! My starting scores were 580 range. Knowledge is power and I wouldn't have been able to do it without these forums! Now if I could reach my goal of 750 across the board, I'd be more than happy  

[Anonymous]

Congrats.  Great job.  Hopefully in another year you'll be well into the 700s.

I'm jealous, Capital One has been a lot better to you than to me

[Anonymous]

Congratulations!!!! You really have had a terrific year! Great job!

This year has been wonderful for me, too. This time last year, the only cards I had were a $1000 Wells Fargo Platinum Visa and a $3000 Capital One Platinum MasterCard (which, this time last year, I had only had for a few weeks). If you had told me a year ago that a year from now, I'd be in with Chase, Bank of America, Citi, and U.S. Bank, I would have said you had slipped too much Bailey's in your coffee. Now I have 13 cards, all in my sig. Next year is not going to be nearly as exciting though -- I am going to be gardening through most of it!

[UncleB]

Congrats on your fantastic progress!  

I agree that a year can make all the difference in the world.  This time last year, I had my QS1 with a small limit, and a tiny Belk and Lowe's - and that's it.  

If someone had told me this time last year that I'd have accounts with USAA, Discover and Amex (especially Amex!) I would have laughed them from the room.

Keep up the good work! 

[Imperfectfuture]

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@KyWoman wrote:

In October 2014, my FICO score was a sad 589.  I went for the Capital One secured card.   Took care of it, added additonal deposits, paid it off in full every month.  A few months later, needing some dental work, I applied for Care Credit and was approved for a measly $800 but it was a start!  Next I tried Overstock - approved for $700 - again low CL but I kept building and paying in full, on time, every month.  Today my score is 690 and I have a total credit line of $22,600:  Discover:  $7500, Macy's $5900, Cap One QS - $5500, Amazon - $1200, Chase Freedom - $1000, Overstock - $700, CareCredit - $800.  Utilization at 9%.  I'm getting automatic CLI (thanks Discover!) and additional upon request (thanks Macy's!).  Just wanting to throw a little hope out there to those who are rebuilding - it can be done!!  

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This time last year, I was waiting for my first report to be clean, experian.  Started with cap one 300, CU at 500, and a since closed rebuilder at 1250.  My later October approval was Amex BCE, 3500.  Since then, have accumulated quite a bit, transunion cleaned in November 2014, and EQ cleaned January 1st 2015.  Now my credit score is my precious..  Congrats to all on their credit journeys.

[Anonymous]

OP, great job!

Fritz - what kind of comment was that? Seems a little condescending IMO.

[GFer]

You have done an amazing job! Be proud of yourself and keep going. Make sure you rotate use of those cc's for now, so you get get use every 3 months. When you're trying push 700, every bit helps. When I was just about to push 700 it seemed like it took forever. I would get so close but couldn't seem to eek out the last point or two. Oh, how I was impatient. Once I did, though; it seemed to go a lot faster. (Not fast, just faster!) lol

[Anonymous]

Threads like this are so supportive to those of us facing the same challenges you're overcoming! Keep it up!