I am so happy. Three years ago I had a credit score of [maybe] 450. I felt like such a loser, I know I shouldn't, but I did. I mean, when you get your score, they compare you to the rest of the population and I just couldn't believe that I had worse credit than 85% of the American population, but I did. And now, I am buying a home with 5.62% 30 year fixed, I am buying a car with 6.99%, I actually have a Discover Platinum, an Amex BlueCash, a Musician's Union and a Bank of America Platinum. Even with a 120+ from Providian - granted that was from some years ago. But still. I want to cry when I think where I am as opposed to where I was. And I couldn't have done it without this forum. I honestly don't know what my scores are now, but I am just happy to be able to go forward in my life at 41 and feel like I have been given a second chance at what everybody else takes for granted. Thanks again. p.s. I have made Save Karyn (the book) mandatory reading in my household for my teenagers that want a credit card. It is a MUST BUY.!!
Congradulations!!! Been there done that, just like you........credit, gives you a sense of power....and there's nothing worse than applying for something (especially in a store with all eyes on you) and being rejected....how humiliating....In 1999 I couldn't even get a cell phone in my name!!!! Slowly but surely I've made progesss...... HomeOwner @ 6.125 Amex 9.5K (Those bastardos just lowered it from 10k) Citi 10k United Miles 5k Patelco 15K Target Visa 700 (Need to get rid of that) Macy's 300 Gap 400 chevron 500 (don't even have a chevron here, need to close!) Express 500 JC Penney 500 Best Buy 3500 Sears 450 (never use, should close) Ford Credit 0% financing on 2 cars Boy have I come a LONG WAY!!!!!!!!!!!!!!!!! Every card gets PIF every month except amex & citi....carrying high balances there which will be paid off asap!!!
