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Started 18 months ago with low 400 scores across the board and found this forum. I put into practice the valuable information everyone here shares and started student loan rehab and paid off collections "some were pfd", got a 200 secured cap one.
I made some mistakes along the way and felt defeated at times but I kept reading that "it's a marathon not a sprint" Today Experian notified me that my score increased to 704.
Current cards:
Navy amex 21,000
Navy cash. 23,000
Amex Gold. Npsl
Amex Ed. 3,000
Disco. 1,000
Cap plat. 500
THANK YOU to everyone that shares their wisdom , because without all of you this would not be possible !
So happy for you - congratulations!!! 700+ is such a milestone
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647![]()
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Congratulations! It's great to see hard work paying off, right?












That is an amazing accomplishment in 18 months! Congratulations and keep it up!
@Anonymous wrote:Started 18 months ago with low 400 scores across the board and found this forum. I put into practice the valuable information everyone here shares and started student loan rehab and paid off collections "some were pfd", got a 200 secured cap one.
I made some mistakes along the way and felt defeated at times but I kept reading that "it's a marathon not a sprint" Today Experian notified me that my score increased to 704.
Current cards:
Navy amex 21,000
Navy cash. 23,000
Amex Gold. Npsl
Amex Ed. 3,000
Disco. 1,000
Cap plat. 500
THANK YOU to everyone that shares their wisdom , because without all of you this would not be possible !
Congratulations!🎉
Congratulations! Keep it up 👍
congrats!!
i was in the same boat back in october.
my scores were in the 500s.
i started paying off collections and got the cap one platinum secured with $200 sl.
it's improving but i want all 3 to be in the 700 club.
hoping to be in your shoes by end of the year