I started my credit building/ rebuilding one year ago today. I have accomplished my goals and then some! I don’t post too much, but I read here every day and have learned so much. I just wanted to thank you all for the great advice (even if it wasn’t given directly to me).
My credit report wasn’t too horrible since I never had too much credit extended to me. I was just pretty bad at paying bills when I was younger. I had a judgment from a landlord’s lawsuit, a handful collections and, and a couple of late payments. Nothing really positive to speak of other than a secured card from CapOne.
My credit sores ranged from 502 to 513 last year.
With good advice, persistence, and smarter thinking about my credit, in one year I raised my score all up above 700, bought my first house, and have a few credit cards that will suit my needs and grow with me this year. I just wanted to say thanks to my fellow MyFicoers.
Hang in there. It seems like a daunting task to clean up an build credit, but the payoff in the end is huge and will serve you well!
Thanks for sharing your success and for that I say BRAVO
It will surely empower someone to know that it can be done
That's a great success story. Sharing it will surely encourage people who are just beginning their credit clean ups and even more those who've started and feel stuck! Thanks.
Wow! Congratulations, that is wonderful to hear. I am hoping I will have the same success that you have had after a year.