Yes, I love this board! I started out in Feb of this year with a 535 score, then crawed up to 590 then down to 588. I see progress all around my good effects with reading this board at least 4 to 5 times a day. Well, yesterday in the mail I received a credit card offer from Capitol One, I paid them off on a charge off this past Jan for the amount of 180.XX. Now, they are offering me another chance with 0% APR for 1yr and $36 annual fee with a credit limit of $300 (crawling), as long as I pay on time and late no more then 3 times. I have done an excellent job with my Tribute Card - started with a $300 limit minus fees and now my credit line is up to $550.00 woo woo! I have learned my credit lessons the hard way and now I know how important it is to pay your bills on time. I would like to thank everyone on this board and the money I spend for the month fee for Score Watch is the best investment I have made so far. I have promised my self to pay the Capitol One card on time every month and to keep my balance low very low. Now, I need to work on my gas bill which is at $300.00 and I will have one of the two cars in my name paid off next December. I am working with my daughter co-signer on the other car in my name to get her credit straight and get a loan for the car in her name only (wish me luck).
Connie
