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@fused wrote:No baddies on any of my reports. I couldn't say the same thing from the late 90's to 2005. At that time, my reports were very dirty with lates, collections and charge-offs.
+1...except mine was late '90s to 2011. I think I fought off 20+ CAs, a handful of COs, and a few PRs. If I hadn't found this forum....
Still praying for our GW letter to touch the heart of the executives at Toyota Financial to remove a repo from 2009. Other than that, its just a matter of letting our new secured credit cards do their job of generating a FICO score. We are trusting that, by this time next year, we will have a great FICO score and, be able to "app" for some prime ccs. We might even be able to buy a car with a decent APR -- what a concept!
I am proud to say I have a spotless record .
Thats Awesome ^^^^^^^^^^^^^^^^ Keep up the very good work