After a messy divorce years ago that ruined my credit, I just gave up on getting any kind of desent credit. All I had after the divorce was a mountain of cc debt that my x had gotten and ran up in my name without without my knowledge. I knew if I let those 30 or so credit cards be split between us I would never see the light of day as far a having decent credit was concerned. So I took the entire cc debt as part of the divorce. After working overtime, weekends, and a second job for 5 years I was able to pay all the debt off but at the time my credit had tanked. After that I had only an American Express Gold Rewards Plus and a credit union credit Visa card with a 500 limit. Now fast foward 15 years. I've since completed a colledge degree in the medical field, bought a used car which is now paid off and paid off all student loans. I recently thought of buying a new car since the current one I have has 280,000 miles. The only credit cards I had were the AGRP and the Visa with a limit of 1000. Over the past couple of years I have ran the 1000-2000 a month thru the Amex card. So I checked my credit scores on Myfico just knowing that they were going to be low and to my amazement: EX 793, EQ 794, TU 796, to say the least I'm totally shocked. I've been reading all the information on the boards since Feb/13 and I'm amazed that just by pure luck I did what many of you suggest. All I can say is that the advice given on this site is totally correct.
EX:694 TU:744 EQ:777
