This time last year (give or take a few months), my credit was a mess. Quite a few public records, charged-off cc's, medicals collections, car repo, cell phone lates, store charge lates, (and some others I probably forgot) I have not gotten all off my reports yet (got lazy in the 4th qtr, lol), but I now have over 13K in revolving credit, plus refinanced my high interest car loan. (Felt good to kiss cash-till-payday and car title loans goodbye!)
