Just got a score alert today from myFico TU Quarterly Monitoring that my score jumped from 685 to 704! Although I will probably take a small hit when my new card posts, but that finally puts me in the 700 club on one of my reports! Now I can't wait for the two major derogs from almost 7 years ago fall off! 
This isn't to gloat, but to motivate those of you rebuilding. A year ago Fico wouldn't even give me a score and I couldn't get any credit... a year makes a lot of difference.. Keep at it, and I couldn't have done it without this forum!
Happy Dance!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Great job! The small victories count to. It's all a step in the right direction.
Congrats on your progress, that's great!
Starting Score: EQ 717 EX 724 TU 736
Great job!! I am almost to the 700 club and can't wait until one of my reports get there. I just keep plugging away 
I love to see posts like these. They are definitely motivational for me since I'm just starting and get discouraged sometimes
Starting Score: EQ-485 TU-558 EX-576 AUG2012
@favored12 wrote:
I love to see posts like these. They are definitely motivational for me since I'm just starting and get discouraged sometimes
It does get discouraging, like watching a pot of water and waiting for it to boil. But you have to look to the benefit of it taking time, as time goes on you learn to modify your behaviors slowly to use your credit more effectively, so when time comes that your score jumps, you see credit as a tool, and not a cash flow. And with all the hard work you put into it, you don't want to go back to where you were.
Grats!
