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Starting Score: 469Very Nice. Congrats.
Now you can push for the 800 club. It really helps to sleep at night when you know your credit outlook is improving.
Sorry for delay! I have been traveling my butt off. To be honest I have been hounding my creditors with letter, after letter, charged off bad debt (they mysteriously deleted from my credit file). Most of all, it reall took time.
I targeted the I needed to get off and I opened a bank account in which I have an allotment that goes to that account that automatically pays my bills on time as well as pay a little extra. The FICO Cust. Scv. was awesome too in giving me tips!
Its been a long time coming, but I still have a lot of improving to do. I really need to tackle my student loan.