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On 11/05 I had a FICO score around 461 (yech). At that time it really hit me that I needed to get my act together and start caring for my credit.

Until I found this site, I did what I could on my own to repair my credit. But it was such a slow process. I then stumbled onto this site two or so months ago. I began reading. And reading. And reading. Then I registered and had fantasic help with whatever questions and/or concerns I had.

Up until I found I had one subprime credit card with a lousy credit limit. But with excellent credit usage and with the information I got here, I now have two major store charge cards, a prime platinum MasterCard with rewards, a credit limit increase with my original credit card, and a prime gold Visa with rewards.

I owe a great debt of gratitude to this site and it's members. I'm not saying I'm completely out of the woods yet (Crap1 still continues to be a festering sore) but I'm much farther along with your help than I would be without it.

Thank you.

*Runs off to admire shiny new credit cards. So pretttyyy...*

Isn't it feeling nice? Go and enjoy. You deserve it. One small piece of advice, don't be tempted of using those flashy cards, unnecessarily. Always be aware of how far you can stretch and then spend. You will always be in control.

Sub: #1 posted on Sat, 05/12/2007 - 16:01

Howard Howard

(Posts: 310 | Credits: )

Tempted? Not at all. Just tools to get me to at least a 750 fico. I'm almost obsessive compulsive when it comes to my cards it's not even funny. I absolutely will not use over 30% of the limit (keeping the utilization low).

Sub: #2 posted on Sat, 05/12/2007 - 16:09

denizen16258 denizen16258

(Posts: 27 | Credits: )

That's a very good move. As long as you are aware of using it properly, debts will be miles away from you. And yes, it's a very good source to move your scores higher. It seems that you will maintain the cards very nicely. Good luck!!

Sub: #3 posted on Sat, 05/12/2007 - 16:17

Howard Howard

(Posts: 310 | Credits: )

Congratulations! I hope someday to be in the same position.

Sub: #4 posted on Sat, 05/12/2007 - 20:52

Sassnlucy Sassnlucy
(Posts: 2698 | Credits: )

Congrats and I too can vouch for how painful credit card debt can be. I pay my off weekly and normally poor company losing money mailing me statements.Poor creatures don't hardly get anything out of me & I get all the reporting I can squeeze out of them.

Sub: #5 posted on Sun, 05/13/2007 - 06:27

cajunbulldog cajunbulldog
(Posts: 4859 | Credits: )

That's the smart way to deal with credit cards. Congrats!

Sub: #6 posted on Mon, 05/14/2007 - 05:51

Cow & Chicken Cow & Chicken

(Posts: 3571 | Credits: )

Congratulations! I hope someday to be in the same position.


You'll be there in no time :D It took me a lot less time than I originally thought it would.

It will actually be better once I get done sueing Cap1 and get them jerks taken care of.

Sub: #7 posted on Sun, 05/27/2007 - 12:23

denizen16258 denizen16258

(Posts: 27 | Credits: )

Well it's been about a year since I last posted so I figured I would come back and give an update to my progress so the people new to credit repair can see there is a light at the end of the tunnel.


When I first started my repair I had (I think) around a 461 FICO. After about a year, I had increased it enough to qualify for a couple of prime-ish credit cards with average limits.

Currently I belong to 5 credit unions (I can't stress enough the benefits of a good credit union), two cards with Citi, two with Chase, a few cards with lesser known but extremely prime banks, and five or so store cards. All with hefty limits.
My FICOs are averaged around 700+.

As I stated in my post from last year, just because one has credit cards, does not mean one has to use all the available credit. I am at around 3% utilization straight across the board.

So for those out there feeling discouraged or feeling that the cause is hopeless, take heart and know you WILL win your personal credit fight.

Good luck to all and if I can answer any questions, please feel free to ask.

Sub: #8 posted on Sat, 07/26/2008 - 19:09

denizen16258 denizen16258

(Posts: 27 | Credits: )

that is awesome, thanks for the update, congrats on your hard work!

Sub: #9 posted on Mon, 07/28/2008 - 05:39

smo65d11 smo65d11

(Posts: 1468 | Credits: )

That is great. I am in the process myself of cleaning up a nightmare. What I find really funny is that one of the creditcard banks that I could not pay and settled for about 30% of what I owed now sends me great credit card offers at least 3 times a week.

There is a light at the end of the tunnel and anyone at the beginning of the tunnel will get to the end if you put your mind to it.

Thanks for the update.

Sub: #10 posted on Mon, 07/28/2008 - 06:18

spatterson_40 spatterson_40

(Posts: 400 | Credits: )

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