Jump to content

To all the newbies struggling to fix their credit


Blue Demp
 Share

The last post in this topic was posted 3255 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Recommended Posts

Don't give up! You will get there... put in the effort and you will see the light at the end of the tunnel. Here's proof...

 

Hit 700s accross the board!

fico_zps22d8241e.jpg

 

When I hit rock bottom, my score was around 444 at best. I still have work to do, but this is encouraging.

 

 

Link to comment
Share on other sites


Congrats! :clapping:

 

Posts like this help keep me motivated to keep on track. How long did it take you?

 

It took me almost 2 years. However, I started to see improvement the first month I started to do something about my credit. I remember browsing this board and say to myself "this is so overwhelming". I've taken breaks many times when I've hit a wall. I only have one remaining baddie on my report, and that is a repo that is 5 years old.

Edited by Blue Demp
Link to comment
Share on other sites

Congratulations! Very inspirational.

 

The thing to note is it 'took two years'. It is essentially a process and requires tenacity and patience.

I totally agree. I pretty lived and breathe credit during the 2 years, and would take breaks when I felt beaten.

Link to comment
Share on other sites

 

What's amazing is how quickly you can go from 800+ to 720 with a few inquiries and some new cards lol

 

 

Sent from my iPhone using Tapatalk

Wow! really? I think I would lose sleep if that happened to me.

 

 

Once you're over that mark though, the whole process is easier. I remember the luxury of app'ing for anything and getting it.

 

Then life shat on me, and I just swore off all credit for years and years. I have no debt while I'm now rebuilding, but I also have no

credit, so it makes the road upwards feel like a struggle compared to what it used to be.

 

Eventually though ;)

Link to comment
Share on other sites

 

What's amazing is how quickly you can go from 800+ to 720 with a few inquiries and some new cards lol

 

 

Sent from my iPhone using Tapatalk

Wow! really? I think I would lose sleep if that happened to me.

I got a lot of new credit, a new car and am carrying a balance right now so 720 is good

 

 

Sent from my iPhone using Tapatalk

Link to comment
Share on other sites

The last post in this topic was posted 3255 days ago. 

 

We strongly encourage you to start a new post instead of replying to this one.

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

 Share




  • Member Statistics

    • Total Members
      185286
    • Most Online
      2046

    Newest Member
    TB101
    Joined
×
×
  • Create New...

Important Information

Guidelines