NEVER EVER EVER thought I would see this!

[Repo-ed]

When I came here a few years back w/ low 500 FICO and desperate to gain information on how to get my CR's cleaned-up, I never thought I would see high 700's nevermind break the elusive (to me) 800.

Time will fix everything along w/ being responsible with your spending going forward. If you clean up you reports, get higher scores, along w/ higher CL's..just to put yourself back into your previous position, then time won't fix anything.

Time to up date my signature!

[Anonymous]

Excellent! Congratulations repo-ed! That's nice results for your work.

[medicgrrl]

Congrats! It's nice to hear the success stories

[Cherekas]

Amazing results! And thank you for sharing your journey and wisdom with us. Continue to use your credit wisely. Success stories are always great to read.

[Anonymous]

Congratulations, your hard work and patience paid off! Stories like this helps drive and motivate me (and I'm sure others).

[Anonymous]

WOW!  That is amazing work!

What's holding your score back from perfection now?

What's your AAoA, max utilization, aggregate utilization?  Do you have an open installment loan reporting?

Great work!

[Repo-ed]

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@Anonymous wrote:

WOW!  That is amazing work!

What's holding your score back from perfection now?

What's your AAoA, max utilization, aggregate utilization?  Do you have an open installment loan reporting?

Great work!

---

I have low AAoA ~3.5 years +/- (Amex is my oldest card (member since 2006))

I keep my reporting UTIL% at ~1% (currently have just over 100k in available credit...(was more than 250k at my peak w/ 3 NPSL cards from Amex w/ 30k internal limits), each)).

I have a lot of INQ's still reporting ( I chase sign-up bonuses for flight miles and statement credits).

Have a small personal loan open until 12/18 as well as a vehicle lease until 12/18.

[Anonymous]

Great work -- in less than 2 years (assuming no new accounts) you'll be over the AAoA hump for sure and should see a nice increase!

[Anonymous]

That is truly an amazing thing! I love to read stories of inspiration just like yours. I'm looking forward to posting my own one day.

[Repo-ed]

I forgot to mention, when I started this rebuild, I was initially declined for a SECURED CC.

HSBC finally issued me a secured card with a very weird limit. Something like $437.