Hello My Name is.....

[sphinx313]

Hello, my name is Rob:

I had no revolving credit, 8 collections/charge-offs, 2 student loans and a FICO of 388.

Since finding myFICO, All of my collections are paid, some deleted. 4 lines of revolving credit, 1 student loan paid off and a FICO of 584.

[guiness56]

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@Shogun wrote:

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@guiness56 wrote:

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@fused wrote:

My name is fused.

I had numerous lates, charge-offs and collections. My scores were horrible!

Today, I have three squeaky clean reports. I'm finished with repairing and rebuilding my credit, it was a long journey, especially the rebuilding. My FICO scores are 800+ with a credit history just two months shy of 25 years and an AoAA (average age of accounts) of 10 years.

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What a reunion!  First Byrdman now fused.

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Don't forget scamp and whirledpeasplease just made an appearance!

Hiya fused!

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They did!  Haven't seen their posts.

[Kartel34]

Hello my name is kartel34

i have two accounts in collections,one will be deleted do to PFD.. BUT! soon to be back up to three. Because receiving letters for two old accounts that are not showing on credit report yet).

one account with muli 30 days late

three accounts with 30 dates , that are three years old

uli was 96% now down to 10%. How long will it stay that low is the big question!

[dobirdsmommy]

Hello my name is Maggie

in October 2011 I had

 EXP

5 CO

8 CA

0 established accounts

0 Judgements/Liens

EXP

5 CO

7 CA

0 established accounts

0 Judgements/Liens

TU

5 CO

7 CA

0 established accounts

0 Judgements/Liens

today

EXP

Still have

5 CO all from 2008 NY 5 year rule!

0 CA

2 car loans

6 established accounts

2 Judgements/Liens- NYS tax liens But will pay them a CLOSING!!!!!!

Utilization 22%

EQ

Still have

5 CO- all from 2008 NY 5 year rule!

0 CA

2 car loans

8 established accounts

1 Judgements/Liens- NYS tax liens But will pay it at CLOSING!!!!!!

Utilization 22%

TU

Still have

5 CO- all from 2008 NY 5 year rule!

0 CA

2 car loans

8 established accounts

1 Judgements/Liens- NYS tax liens But will pay it at CLOSING!!!!!!

Utilization 22%

2011 Santander pulled my credit in October it was 383!!!!

Lender pull yesterday.......659 middle! Got my pre-approval!!!! BEST FEELING IN THE WORLD

[Axa]

Hello, my name is Axa, and I'd like to share a bit of my story.

When I first found out what a credit report was in 2005, my FICO scores were TU 436, EX 524, and EF no score. This included 2 judgements, about 6 CAs, 2 COs, and numerous lates (numerous!).

Two years ago, after PFD and paying off, I discovered CK. I was pleased to see my score was 600, but then disappointed to find out when applying for an apartment that, in reality, I had no FICO scores due to not having "sufficient credit to produce a score". That's when I learned about FAKO, and upon my mother's advice, acquired an HSBC MC, limit $320.

Last year, I had only 2 CAs, 2 SL in default, 3 TL (CC), and my scores had been climbing. When I applied for my current rental, my TU FICO was 724.

Today, I have no baddies, my SL is in rehab, and my FICO scores are TU 753, EX 705, EF 754. My TL are 1PL, 1AL, 6CC (+1 pending), and 1 store card. I am now a Gardner, and am getting better at pruning and tending to my little crops.

I have learned to view everything as a process, and my credit profile is now a permanent hobby.

[Erika3o3]

Hello my name is Erika.

From what I can remember off the top of my head (but im sure im missing things)

I have 27 collections (only 2 of which are paid) (mostly medical)

1 charge-off

and Just got my first revloving form of credit (WF secured 300 CL)

[icloud2525]

Hello my name is Andrew 35y/o
Had many collections. Allowed all to drop off so nothing in cr. then got car loan at 16% interest. Boa secured, then orchard, then cap1, merrick. Then Amex gold! Then 2 medical collections from 2008 popped up last year. Just did PFD this past Monday and can't wait till they drop off to find out score. 2.7 yrs oldest acct, 1.1 year aaoa. No lates at all..

[Razohouse]

My name is Razohouse

I have:

4-5 Student Loans depending on which report you look at.  Currently in rehab

1 CO for a business debt (never owned this business, fighting to get this off)

1 CO that is mine, doesn't age off until Feb 2015

7 medical bills that are in collections, most of them are on there because I owe them, a few are because the hospital failed to bill my insurance.