(I tried to post this in the TY section, but it said I did not have permission)

CB & Its Members -

Thank you for all the information you have shared with me. Over the last 6 years I have been able to wrangle in my personal finances and credit. Starting at a FICO of 515, I now have over 770.

Over The Past 6Yrs I have -
2003-2005 -- Established Positive Trade Lines w/Creditors Opening Charge Accounts and CCs
2005 - Bought a new truck with 3.9% financing (best rate offered /Tier 1 @ dealership)
2006 - Bought First Home with a FICO that got me a rate better than published rates on BankRate.com
2007 - Established a $25,000 Line of Credit with BoA
2007 - AMEX approved me for $25,000 Credit Limit on their Costco Card
2008 - Bought a new car for wife with 2.9% financing (best rate offered /Tier 1 @ dealership)
2009 - Bought our dream home in TX -- $266,000 @ 4.375% w/5% DP (rate better than published rates on BankRate.com)
2009+ Working on establishing my Real Estate Investment Business & looking to retire in 10 yrs @ 45

Thank You so much!
Paul

PS >> Newbie's please hold on, I know at the time it seems like it takes forever, but stick with it!!

Wow! Congrats! I hope I'm half as good at this at you

Nice work!! Congratulations!

Moving to "Success Stories."

Huge Congrats!

Thats a neat little well put together summary.

Seeing newer success stories definitely motivates and inspire!!! Thank you for posting that

what is boa.

please some one tell me what a positive trade line is.

Bank of America

A good account reporting on your credit report.