My Progress Thread- Credit Scores in the 400s. Reality check.

[Anonymous]

@collics woohoo! Congrats! Hopefully the climb starts really moving now!

I also just finally hit 600+ across all 3Bs and it feels so good!

Once my SO got to the 600s, his climb seemed to happen quicker than when stuck under 600.

Keep us posted!

[collics]

@Anonymous Thanks so much and congrats to you also!!

When I started I remember reading threads about credit journeys and seeing people say it took 1-2 years before they got to their goal scores. But they never complained about that time.
Now that I've been going through it I completely understand. 

I didn't wreck my credit overnight and it's gonna take time to get it up again. I get excited about these 3-5 point increases because every point counts!

[collics]

OMG Navy Federal approved my auto loan refinance!!! I'm in shock!!

This is so great for my budget and paying off other items.

Car pmt is down from 22.99% to 8.19%!

[AllZero]

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@collics wrote:

OMG Navy Federal approved my auto loan refinance!!! I'm in shock!!

This is so great for my budget and paying off other items.

Car pmt is down from 22.99% to 8.19%!

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Congratulations on your refinance! Single digit APR looking good.

[collics]

Don't mean to bump but I clicked page one and saw my OP. 

Astounded I literally said a goal was to refinance with Navy and I actually did it. 

[collics]

[collics]

Trying to clean up reports. Sent lots of letters to bureaus and creditors. I guess one worked so far. 

[Anonymous]

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@collics wrote:

Trying to clean up reports. Sent lots of letters to bureaus and creditors. I guess one worked so far. 

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Congrats! Keep up the hard work!

[Anonymous]

Every one of those is a win and any points increase is earned. You're working really hard on this @collics  - I can't wait to see the day the last one is gone

[collics]

Thank you all for the support