I have had myfico.com now for a long time but just today discovered these forums. What a great source of information.
My credit is in big time repair and at times it sure seems like I will never get there but after reading so many positive posts, I now have confidence that I can make it to where I want to be.
My current scores are:
TU 514
Equ 524
Exp 513
These are low, I know, but just on April 20th, they averaged 465. I have 3 CCs right now--Orchard Bank, 1st Premier, and Capital One. All have the $300 limit on them. I have learned to get them down as fast as possible and to keep them down. My goal is to keep getting them down to the recommened 1-9% range and KEEP THEM THERE.
I also plan on writing GW and PFD letters to several agencies. Hopefully this will help as well (it can't hurt).
Any more advice would be appreciated greatly.
Thank you again and I look forward to hearing more from you!!!
Todd