datboysin Posted June 24, 2020 Share Posted June 24, 2020 Hello! New here, trying to get my score back into the 700s. Nothing too shabby, just want to make sure my credit is good for buying homes and when I need a new car. In the low to mid 600s at the moment. This place is very helpful from what I've browsed through so far. Kat58 1 Quote Link to post Share on other sites
Admin MarvBear Posted June 24, 2020 Admin Share Posted June 24, 2020 Welcome to CreditBoards Quote Link to post Share on other sites
ON-MY_way Posted June 26, 2020 Share Posted June 26, 2020 I'm not new...let's just say 'refreshed'. Joined CB about a decade ago and started me on my credit journey. Weathered a couple financial storms as a business owner and looking to strengthen my credit profile as my wife and I ride into the sunset of Financial Independence. Great to be back and see many familiar faces (usernames) and sadden by the lost of Breeze and others. No longer an AMEX cheerleader. hegemony 1 Quote Link to post Share on other sites
Admin MarvBear Posted June 26, 2020 Admin Share Posted June 26, 2020 Welcome back!Sent from my SM-P580 using Tapatalk ON-MY_way 1 Quote Link to post Share on other sites
nolajoins Posted July 2, 2020 Share Posted July 2, 2020 Glad to have found your group! I heard about it from a non credit related forum. I look forward to going through the info already posted about before asking any questions. SJ New Orleans Quote Link to post Share on other sites
Buckz6319 Posted July 2, 2020 Share Posted July 2, 2020 Hi from GA! I stumbled across this site when I was reading an article about which credit granting companies use Experian credit checks. It seems like my Experian CS is always much higher than my other two CS. looking forward to all the wealth of information this forum and members have to offer. thank you Kat58 1 Quote Link to post Share on other sites
Admin MarvBear Posted July 2, 2020 Admin Share Posted July 2, 2020 All welcome to CB! Quote Link to post Share on other sites
creedithungry22 Posted August 3, 2020 Share Posted August 3, 2020 Thank you for this forum ! so far great information. I am here to fix my credit after a few bad hits on my credit. Kat58 1 Quote Link to post Share on other sites
Admin MarvBear Posted August 3, 2020 Admin Share Posted August 3, 2020 Glad to have you join us here at CreditBoards. Quote Link to post Share on other sites
Lionheart consulting Posted August 17, 2020 Share Posted August 17, 2020 Thank you so much! I look forward to becoming a credit mastermind and hopefully opening my own credit repair business after fixing my own credit!Sent from my iPhone using Tapatalk Quote Link to post Share on other sites
Lionheart consulting Posted August 17, 2020 Share Posted August 17, 2020 Is the forum still active? Sent from my iPhone using Tapatalk Quote Link to post Share on other sites
Admin MarvBear Posted August 17, 2020 Admin Share Posted August 17, 2020 yes Quote Link to post Share on other sites
SamHobbs Posted August 26, 2020 Share Posted August 26, 2020 I am new. I have had health difficulties but that has now been reduced significantly. My situation is not a matter of repairing credit, I need to get credit. I have been doing nothing related to credit for a long time. My VantageScore is about 700 and my payment history is excellent but there is nothing much in my history older than 6 months. I do not have a FICO score and that is what I need to ask about. I will provide details in a separate thread. I will begin receiving Social Security in a week. I expect to be purchasing a home soon, hopefully with a VA loan. As best as I know, I must have a FICO score. I am a computer programmer that has been programming and doing computer stuff for half a century. At least I am extensively familiar with forums. I have some corrections and suggestions for your Credit Glossary - what all those terms mean - Beginner's Credit Information. IP should be defined as in Internet Protocol - Wikipedia. For Internet Provider, I assume your intent is to refer to Internet service provider - Wikipedia (ISP); Internet Provider is ambiguous. Also, it might be appropriate to add SSN and possibly the corresponding acronym SS (not the Schutzstaffel and that is probably why people do not use the acronym SS). Most people of course already know what a SSN is. And tl;dr is something new that I think did not exist in 2003. cv91915 and Kat58 2 Quote Link to post Share on other sites
Admin MarvBear Posted August 26, 2020 Admin Share Posted August 26, 2020 Welcome to CB. Quote Link to post Share on other sites
Jerryjake Posted September 18, 2020 Share Posted September 18, 2020 Thank you! Quote Link to post Share on other sites
StandardnPour Posted January 28 Share Posted January 28 After a costly divorce and a decade of child support I have low credit scores (552 Trans and 621 Equifax) but fortunately I have a healthy income (85k) and would like to invest in the stock market and real estate by the end of the year. I'm excited to revamp my future trajectory and any encouragement or pointers I will appreciate. cv91915 1 Quote Link to post Share on other sites
Admin MarvBear Posted January 28 Admin Share Posted January 28 Glad to have you join CreditBoards. Quote Link to post Share on other sites
2xcharm Posted February 11 Share Posted February 11 Hi... I'm a former member but couldn't remember my old user name or what email I used, so I signed up anew. I was active (well, I read a ton, only posted a little) in 2004 and 2005. The kind folks on here helped me get from 613 EQ/577 EX/596 TU in 2003 to 669/694/694 in 2005. I'm preparing to sell one house (primary residence) and to refinance the other one (currently rented), so I'm back to focusing on getting my credit in order (hence the user name... 2nd time's the charm!). I'm currently at 718 EQ/715 EX/718 TU with ~35K in CC debt (41% util) which could be paid off when the first house sells. Looking forward to diving back in... and figuring out how to effectively search the board for current balance transfer strategies (BT% didn't work for me). 🙂 cv91915 1 Quote Link to post Share on other sites
Admin MarvBear Posted February 11 Admin Share Posted February 11 Glad to have you back. g Quote Link to post Share on other sites
JB1980 Posted Thursday at 03:24 AM Share Posted Thursday at 03:24 AM It’s been a super long time since I’ve been on here. It’s a little overwhelming in fact due to the growth. I’m in dual mode and correct me if I am taking the wrong approach. Previously I made some bad decisions and racked up debt, which went into collections, and some were CO. I recently looked at my credit and all 3 are in the 550’s. I’ve paid my collection accounts and now I don’t have any CL except one small credit card and a credit builder loan.I know it’s going to take time. However, is a Secured Card the best way to boost credit? Are there card offers out there that even look at a 550 Fico? *Thanks in advance and I apologize as I know I am supposed to search the forums first but I wasn’t having any luck.Sent from my iPhone using Tapatalk Quote Link to post Share on other sites
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