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I figured I would introduce myself since I have posted some replies in a few topics. I started my credit rebuild again back in 2006. Back in the 90's I made the big mistake most college students did and signed up for a whole bunch of cards because they were handing out free stuff. After I got out of college, I just stopped paying and didn't care. Though that time, I didn't really need credit until around 2006 when I went to buy a car and the dealership was yeah, you have a steady job but the only thing on your file is two medical collections so we need x amount of money to even get a bank to lend you the money. That response set me on my credit journey.
I started searching the few credit boards out there and found out about pfd and disputing. One account I did pfd but the other account took a bit more of a battle because it was incorrect on so many things but I got it deleted as well. I amassed 30+ accounts and 100k in credit before it came crashing down again when Amex did a closure on me. That made me step back and realize I had let credit-seeking take a big part of my life.
Now I am at a point in my life where I am tired of dealing with the big bank craziness and just want to move over to CU's. I did do something kind of stupid by getting sucked into the sct with comenity about six months back but I am laying low for the next few months to give those accounts some age. NCFU is on my radar since I just found out family members can join without first getting a military person to join too. That opened both DW and I with pathways to membership. Anyway, hi everyone.
Welcome!
Great members and info on here!
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
Welcome! Thanks for sharing! We have loads of great people here.
Thank you for the welcome. I hope to be able to contribute to the community