Progress, Thanks to you guys

[xecutech]

I started working on my credit on 3/20 and read these forums daily. I applied what I learned from here and I finally went from no fico to 658.

My fakos:

EX 578 on 3/20/13 - Now 685
EQ 602 on 3/20/13 - Now 688
TU 591 on 3/20/13 - Now 666

Just wanted to thank everyone who contributes to these forums. My goal is 700 by next month, so wish me luck.

I also have some fed tax liens to do a payment plan, and hopefully get the rest of them off my reports soon.

Wanting to apply for a credit card, but not sure if the tax liens will hurt me, even if my score qualifies. I am an authorized user on 2 accounts with 0 lates and about 23% utilization at the moment.

[myjourney]

---

@xecutech wrote:

I started working on my credit on 3/20 and read these forums daily. I applied what I learned from here and I finally went from no fico to 658.

My fakos:

EX 578 on 3/20/13 - Now 685
EQ 602 on 3/20/13 - Now 688
TU 591 on 3/20/13 - Now 666

Just wanted to thank everyone who contributes to these forums. My goal is 700 by next month, so wish me luck.

I also have some fed tax liens to do a payment plan, and hopefully get the rest of them off my reports soon.

Wanting to apply for a credit card, but not sure if the tax liens will hurt me, even if my score qualifies. I am an authorized user on 2 accounts with 0 lates and about 23% utilization at the moment.

---

You're off to a great start if you can establish a payment plan for tax liens you may qualify for the fresh start program and get them removed from your CR.

That would truly help your scores and CR

[xecutech]

Yep, contacting them this afternoon to confirm the balances and then off to the fresh start program.