I don't post much and I'm still reading and rereading the Newbie topics - I'm still very much a work in progress. But I really just wanted to say thank you SO much to all the regular posters for all the invaluable information found here.
My husband and I had a family business which tanked and subsequently ruined both of our credit. I still have a lot to learn, but in the last year, CB has helped me:
Remove a $50,000 paid IRS tax lien
Get several medical collections removed
Apply successfully for Citibank, Chase, and Amex (all low level, but at least my foot in the door with respectable cards)
Get the Amex backdated 6 years
Go from $550 secured credit limit overall to $25,000 unsecured
Bump my FICOs by over 100 points each
Now just waiting patiently for my state tax lien to fall off EQ and TU in 2 months (it fell off EX 2 months early) and that's it - no more negatives. Well except for all the inquiries, but I'm working on them.
So anyway, again, thank you to CB and all the posters who put so much time and effort into helping us Newbs. I can actually see a mortgage in my future. Never thought I'd say that.