This past Sept, I attempted to refi my home to buyout my ex. All I could qualify for was subprime loans with interest rates through the ceiling. I brought some of the bad credit on myself, refusing to pay for things belonging to my ex not realizing that it was affecting my credit scores. I found credit boards in November and this month I close my loan with a decent rate and a payment I can live with due to scores that have risen over 100 pts in just a few months. I could not have done this without the knowledge and help of all the posters on credit boards. With my new-found knowledge, I was even able to get Sherman and IC Systems removed from all 3 reports. For all this knowledge, my kids and I owe you many thanks for being able to keep our home of 15 plus years.
As a side note, I have also been able to build credit for my business. In the same short period of time, I have gotten the elusive paydex of 80.
Thanks to all CBers who post.
Edited by OnTheWayUp, 10 February 2005 - 03:13 PM.