Two years ago the only credit I had was $550 between two First Premier cards and an auto loan with Santander with 22.49% APR (no, that is not a typo).
I joined myFico about two years ago and have poured through all of the helpful information on here. I've had no late payments in that time, have no more collections, but there are legitimate lates that will remain for the next five years. I have been somewhat successful in my rebuild and hopefully the mistakes from my past will fade and fall off. The cards and scores in my sig are current.
From $550 available credit to over 45k in two years feels good, and a car loan now at 2.49%.
Keep working and stay diligent. Good things do eventually come around; just takes time and patience.
