I'm about 9 months into this rebuild. Credit is definitely a long haul game, and it can be easy to get discouraged. But this recent update got me excited. EX FICO 8 is up to 651!
Stepping back and looking at my whole situation as a whole, I have a lot to be proud of here. All 3 bureaus are up over 100 points since last August. This is without doing any major work of trying to get things removed (all reporting of my baddies is, unfortunately, accurate). But I did get all of my delinqencies paid off and my total utilization is now kept under 10%. I've also picked up some cards that I've been wanting, albeit at low limits, but I know that they will grow.
I know how difficult this journey can be, so I hope this can serve as a reminder that no matter how bad the starting point is, the results will come! Although maybe not as quickly as you always want 
Nice work ! Congrats on your progress !
@laurenjessica wrote:I'm about 9 months into this rebuild. Credit is definitely a long haul game, and it can be easy to get discouraged. But this recent update got me excited. EX FICO 8 is up to 651!
Stepping back and looking at my whole situation as a whole, I have a lot to be proud of here. All 3 bureaus are up over 100 points since last August. This is without doing any major work of trying to get things removed (all reporting of my baddies is, unfortunately, accurate). But I did get all of my delinqencies paid off and my total utilization is now kept under 10%. I've also picked up some cards that I've been wanting, albeit at low limits, but I know that they will grow.
I know how difficult this journey can be, so I hope this can serve as a reminder that no matter how bad the starting point is, the results will come! Although maybe not as quickly as you always want
Nice going. Keep up the good work.
@laurenjessica There we go! Big strides in 2023! Keep up that good work! You're well on your way back from your low point. Congrats on all the progress.
Well done, keep up the good work, congratulations!
Congrats! Name on the card and CL doesnt mean much. Its building the foundation for the future goodies. Your on your way!
I know the feeling because i was there not long ago, a year ago those were my scores but since last year i was excited and applied for more than a few cards in 1 year because i felt good from each approval. Now im happy to be in the "Good" realm and looking forward to 700 club.
Starting Score: 512
Congratulations!! 🎉
@claus wrote:just my personal opinion and i am probably totally wrong.
Lol! You're right and wrong.....ain't that fun?!? Hahaha, that's why we say "YMMV"....put a nice, big blanket on it. 
Really though, it's always nice to read up on current dp's as that's how trends are discovered.
@laurenjessica Congrats and happy for your score improvement and being able to payoff those debts thus lowering that utl. Hopefully time will "seem" to fly by for when your baddies drop off and you see a potential 100+ score jump! Exciting times.....planning strategically is key from here on out. GL on your credit journey.