I've been waiting for this moment for a while now, and finally, the time is here.
I joined the CB family in 2011 when my credit was in rock bottom. The concept of FICO was vague and my skores were lingering in the 400s. I had countless of x-day late, numerous COs from AMEX and BOA totaled into the tens of thousands, and a couple of medical related baddies. I was in such denial that I thought to myself, as long as I had decent income, I'd have no trouble dealing with lenders. Screwed the freakin' numbers. Oh boy was I wrong.
Like many others, I started rebuilding with secured cards and I still remember the days when I'd genuinely smile when a lender extended me a measly $500 CL. Today, I have over $150k from various prime banks and over $300k combined.
The work has really paid off, because now, I get to pick which lenders I want to do business with, not whom I have to.
Over this period of time, I earned almost 10 millions frequent flyer miles and hotel points, tens of thousands in cash back, and have flown to 4 continents in First class. DW and I spent a wonderful 7-day vacation in Maldives solely on miles and points.
I qualified for the lowest financing terms in every auto dealership I walk in.
I saved over $10k for refinancing my private student loan.
DW and I will be purchasing a home this year, and I'll likely receive the best possible mortgage rate as well.
None of this would've been possible without the help of the fellow members here. So I thank you all!
Edited by donuteric, 02 February 2017 - 10:18 AM.