Particledropp Posted February 15, 2018 Share Posted February 15, 2018 When I started my most recent credit repair journey about 2 years ago, my scores where in the mid 500's or less. I couldn't get approved for anything and really almost got the point where I was going to say screw credit, I'll just pay cash for everything. Well, my wife had a different plan for me. She had a mother who taught her about money at an early age and how to properly use credit to her advantage. I saw how easy it was for her to walk in and buy a new car and not have to worry about if she would get approved or not. She got to focus on getting the best deal possible for the options she wanted. It kind of opened my eyes and really helped getting me over this hurdle that has been holding me back in my life. I have been off and on credit boards over the past 5ish years and knew that if I really wanted to get right then I had to put into action everything I had read on here, so I got to work. I've gotten almost all the baddies off of my reports and just have 2 that will age off in the next year, I've gone from $500 in available credit to over 100k, I've opened accounts with Citi, Capital One, Sync, Barclays, and my new favorite AMEX, I've been able to get a 60k truck at 3% interest rate, I've made back over $5k in points and cashback, and most importantly I've gone from scores in the low to mid 500's to now 700! I hope to keep going and get them all over 700, but to just see that number is proof to me that all my work has been worth it. Thanks to everyone here who answers questions and puts out good information. I wouldn't have been able to do it without everyone here on CB, so thank you! Next stop 800! agabby, ThomasRMorrison, Zanshiro and 4 others 6 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted February 15, 2018 Share Posted February 15, 2018 KEEP UP THE GREAT WORK!!!! Quote Link to comment Share on other sites More sharing options...
tobettercredit Posted February 15, 2018 Share Posted February 15, 2018 Congrats! Quote Link to comment Share on other sites More sharing options...
shifter Posted February 15, 2018 Share Posted February 15, 2018 WTG! Quote Link to comment Share on other sites More sharing options...
Admin MarvBear Posted February 15, 2018 Admin Share Posted February 15, 2018 congrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrats!!!!!!!!!!!!!!!!!!!!! Quote Link to comment Share on other sites More sharing options...
gdtobefree Posted February 15, 2018 Share Posted February 15, 2018 Woot woot!!!! Congrats!!! Never give up!! Quote Link to comment Share on other sites More sharing options...
Kat58 Posted February 15, 2018 Share Posted February 15, 2018 Great Job!!! Quote Link to comment Share on other sites More sharing options...
cv91915 Posted February 16, 2018 Share Posted February 16, 2018 What's the plan from here? Quote Link to comment Share on other sites More sharing options...
deanmartini Posted February 16, 2018 Share Posted February 16, 2018 Awesome job!!! Keep it up! Quote Link to comment Share on other sites More sharing options...
Particledropp Posted February 16, 2018 Author Share Posted February 16, 2018 What's the plan from here? I guess just keep paying my bills on time, ask for CLI's every 6 months or whenever I can, wait for the few baddies to age off, and maybe refinance the house if rates go lower? lol I don't know. Just having the ability to go somewhere and buy something on credit with a good rate is good enough for me right now. Quote Link to comment Share on other sites More sharing options...
Juliette Posted February 19, 2018 Share Posted February 19, 2018 Congratulations!!! Me too, went from 480 to 720 in last two years. Amazing feeling!!! ThomasRMorrison 1 Quote Link to comment Share on other sites More sharing options...
Jjbrokeman Posted March 22, 2018 Share Posted March 22, 2018 Great job, I'm starting my journey and can't wait to be able to say I'm finally there. Quote Link to comment Share on other sites More sharing options...
Big Bear Posted March 22, 2018 Share Posted March 22, 2018 Late to the party, but a huge congratulations! Financial independence first and FICOs will follow! Stronghold PS 1 Quote Link to comment Share on other sites More sharing options...
steelers1 Posted March 22, 2018 Share Posted March 22, 2018 AWESOME!!! :dance: Quote Link to comment Share on other sites More sharing options...
Chase504 Posted March 23, 2018 Share Posted March 23, 2018 I can't wait t o be in that number. Very inspiring. Quote Link to comment Share on other sites More sharing options...
pokerdave Posted April 8, 2018 Share Posted April 8, 2018 congrats !! Quote Link to comment Share on other sites More sharing options...
memee78 Posted April 10, 2018 Share Posted April 10, 2018 Congrats!!! Well done. Quote Link to comment Share on other sites More sharing options...
Kat58 Posted April 10, 2018 Share Posted April 10, 2018 Congrats!!! Well done. Welcome to CB! Quote Link to comment Share on other sites More sharing options...
cj123 Posted April 28, 2018 Share Posted April 28, 2018 Yay! Congrats 👏 Quote Link to comment Share on other sites More sharing options...
slayerbizkit Posted July 27, 2018 Share Posted July 27, 2018 Congrats! Quote Link to comment Share on other sites More sharing options...
fixmeup Posted November 29, 2018 Share Posted November 29, 2018 On 2/15/2018 at 2:25 PM, Particledropp said: When I started my most recent credit repair journey about 2 years ago, my scores where in the mid 500's or less. I couldn't get approved for anything and really almost got the point where I was going to say screw credit, I'll just pay cash for everything. Well, my wife had a different plan for me. She had a mother who taught her about money at an early age and how to properly use credit to her advantage. I saw how easy it was for her to walk in and buy a new car and not have to worry about if she would get approved or not. She got to focus on getting the best deal possible for the options she wanted. It kind of opened my eyes and really helped getting me over this hurdle that has been holding me back in my life. I have been off and on credit boards over the past 5ish years and knew that if I really wanted to get right then I had to put into action everything I had read on here, so I got to work. I've gotten almost all the baddies off of my reports and just have 2 that will age off in the next year, I've gone from $500 in available credit to over 100k, I've opened accounts with Citi, Capital One, Sync, Barclays, and my new favorite AMEX, I've been able to get a 60k truck at 3% interest rate, I've made back over $5k in points and cashback, and most importantly I've gone from scores in the low to mid 500's to now 700! I hope to keep going and get them all over 700, but to just see that number is proof to me that all my work has been worth it. Thanks to everyone here who answers questions and puts out good information. I wouldn't have been able to do it without everyone here on CB, so thank you! Next stop 800! I new here..reading this inspires me already. I have scores in hight 500s and looking to fix it up so I can refinance my mortgage. Thanks for sharing Zanshiro and wwanderer 2 Quote Link to comment Share on other sites More sharing options...
gianaharrison Posted December 11, 2018 Share Posted December 11, 2018 Congratulations! Quote Link to comment Share on other sites More sharing options...
Andre1125 Posted January 27, 2019 Share Posted January 27, 2019 Congratulations! ✌️✌️ Quote Link to comment Share on other sites More sharing options...
Nicola15Dj Posted August 14, 2020 Share Posted August 14, 2020 Congratulations! we are very happy for you! Quote Link to comment Share on other sites More sharing options...
radtechdude Posted September 8, 2020 Share Posted September 8, 2020 Congrats man! That is awesome! Quote Link to comment Share on other sites More sharing options...
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