I wanted to start a thread where you could come in and acknowledge your credit issues. I hope this lets you feel better and not terrible about the mistakes you've made in the past and are currently rectifying by coming on this board and learning the right thing to do.
I'll go 1st....
Hello My name is PrettyGyrl and I have 2 Judgments, 5 Collections (4 are Medical) & 1 Repo not to mention Undirect & Direct Student Loans which havedefaulted fallen off my CR but they take my IRS Refund!
ETA
tudent Loan Mess!
Whew!!!! I feel better!
Now it's your turn!
@PrettyGyrl wrote:I wanted to start a thread where you could come in and acknowledge your credit issues. I hope this lets you feel better and not terrible about the mistakes you've made in the past and are currently rectifying by coming on this board and learning the right thing to do.
I'll go 1st....
Hello My name is PrettyGyrl and I have 2 Judgments, 5 Collections & 1 Repo
Whew!!!! I feel better!
Now it's your turn!
My name is Scott. I had 2 judgments, a tax lien, 3 charge offs, 18 collection accounts, and repo and no positive accounts in Nov 2010.
I now have 10 positive trade lines, a new car, a house and.... ONE baddie left 
-scott
My name is Remethy and I have
-currently 60 days late on mortgage but going to bring it current within the next month
-one 90day late on mortgage in 11/2012
-one 30day late from car loan 11/2012
-4 student loan 120 day lates from 2010
-2 student loan 120 day lates from 2008
-one collection which hopefully will be deleted soon thanks to PFD
9 negative TLs and 22 positive ones.
Oh, and 96% credit utilization. Working on paying that off/down.
Starting Score: EQ 539
Hello, my name is Lisa...
I have:
2 collections (1 removed), 1 from 9 months ago & one for $2079
a foreclosure
a bk13
a billion inquiries
and my only revolving credit is a Victorias Secret card I haven't even gotten yet & a store card for Samuels Diamonds
Hello my name is Shogun.
I had zero revolving accounts.
More collections/ lates/ etc. that I can remember how many.
Then I found myFICO. 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:Hello my name is Shogun.
I had zero revolving accounts.
More collections/ lates/ etc. that I can remember how many.
Then I found myFICO.
I think your parents were awesome for naming you Shogun
-scott
It's a popular name.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@ PrettyGyrl
Nice idea to start this topic
And now to all please do not hate me for joining you here.. My name is Liliane and I am a non US resident which had no idea how the credit and score system worked until I came across this board in November 2012. Also unaware how important this score figure is! This board is so informative and really amazing what I learnt here in this short period already.......yes I do not really belong here with my clean reports. But living outside the US for nearly 26 years I completely neglected my reports and never even bothered to check. Well this has changed now and I realized how important accurate information on the credit report is. Wish you all the success to reach your goal.
greetings from Europe