Don't get discouraged! +270pts gained to 850!

[Anonymous]

This is my final update. Brought UT% down to 2% and gained a few points. Now i'm gardening until end of year and hoping for 800-club.

[Anonymous]

Wow, what a story! Congrats on making that happen with all your hard work.... This is my goal here. I decided earlier this month to get serious about rebuilding. I'm a long ways and a lot of work away from 780 but I look forward to the day when I am. Thanks for the motivation! 

[Anonymous]

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@Anonymous wrote:

Wow, what a story! Congrats on making that happen with all your hard work.... This is my goal here. I decided earlier this month to get serious about rebuilding. I'm a long ways and a lot of work away from 780 but I look forward to the day when I am. Thanks for the motivation! 

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Give yourself 18 months and it could do wonders for you. Dont get discoraged! 

[Anonymous]

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@Anonymous wrote:

This is my final update. Brought UT% down to 2% and gained a few points. Now i'm gardening until end of year and hoping for 800-club.

Congratulations on your success! 👍

[donkort]

Excellent!  800 club, here you come! : - )

[Anonymous]

@Anonymous Congrats on your success! All your hard work difinitely paid off! 

[AllZero]

Job well done!

What's your AoYA? I can see some bonus points coming your way once you hit 12 months.

[Anonymous]

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@AllZero wrote:

Job well done!

What's your AoYA? I can see some bonus points coming your way once you hit 12 months.

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Was 5 months (09/2019). I recently opened 5 new accounts so I'm expecting a drop into the 740s.

[AllZero]

I think the trade off is well worth it. Useable credit lines with cash back, rewards, etc.

[Anonymous]

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@AllZero wrote:
I think the trade off is well worth it. Useable credit lines with cash back, rewards, etc.

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Absolutely. Took me to $200k in TCL with less than 1% UT. Next big credit need is for mortgage in 2 years so enough time to mature these misbehavings.