prisoner of my own mistakes

[Anonymous]

Hell yea! After 12 months of paying off every statement in full and on time my 99/500 card has been unsecured and bumped to $1k limit!! I pulled my Equifax score: 664. I'll pull the other reports soon enought but they shouldn't be too far off.

[DI]

You come a long way.  Congrats and thanks for updating us.

[LIGHTNIN]

Thank you for the vision of hope.

My son is 29yrs old,divorced 1yr ago,newly laid off since march 09. His CR's looked like your did, when you started.

With little info on his CR's--one car loan pd off 8/09 and  a CA unpaid phone bill from 2005 for $214.Still having a hard time even getting the CR, still working to get TU. Maybe next year, we can get close to the same results as you did.

As young as you are,having  myfico knowledge will lead to a bright future. Just look how far you came in just 12mos. I wish I knew this info much earlier in life, but better late then never 

Congrats!!! Keep up the great work!!

[Anonymous]

Another year gone by, another update. 

First year into a leased car cosigned with my father. Paying car and Credit Card bill  every month early or on time. Updated Scores:

TransUnion 685

Equifax 671

I've kept my reported balances low (paying off a chunk of the balance right before the statement closes) and my credit line is $2,000 now on the BoA card. 

Aside from letting time take its course, how do I reach the 700's?