Went through a divorce and found out that my X trashed my credit. In December when I took back over my financial life, I was ruined. 533 Fico 8, all accounts were late, over limit, mostly charge offs. Debt was north of $60k. Immediately put in a plan of action, sold my house, and used the equity to pay off my attorney and payment to settle all charge off accounts. Negotiations took place with CapOne to save my seriously delinquent, open credit account. That proved successful, thank you CapOne! Opened a Discover $500 secured card in May. Paid off two car notes at the same time. The last $5,000 charged off account that I settled just updated on my reports today. December 2020 Fico 8 was 533, today it hit 680.... I am so **bleep** excited!
On a whim I just checked to see if I could get approved for an AMEX Delta card... YES! Approved for $6,000.
Thank you all for this amazing message board!
Congrats! Now thats how you do it!
This was truly inspiring! Way to go...