I can't believe it's been a whole year since I discovered this forum and decided that I needed to get my credit in order. While it was recently never really terrible (I started around 640's-650's). That was probably the highest I'd been as an adult. Since discovering this site (first as a lurker and then eventually participating), my scores have jumped almost 100 points in that time! No baddies, 4% Utilization and my one late payment was removed. I've also increased my credit at least 5 fold. The only thing left to do now is take a breather and let my newer accounts age and my inquiries drop off. I can't encourage people enough to use this forum. It has to be one of, if not the most helpful tool out there on the internet. Good luck with everyone on their journey's!
