December '08: I couldn't even qualify for a Radio Shack Battery Club card. Charge-offs, 120+ days late, student loans in default, no revolving credit. I didn't know my scores, but could safely assume that they were in the mid- to upper 500s. First of all, I religiously read everything I could on this site, and put my knowledge into action. I wrote letters, let things age off, and successfully sued a major national CA for FDCPA violations. I opened two revolving accounts, and religiously paid off my balance each month. July '10: I just closed on my first home, with a 30 year fixed rate FHA loan. TU: 704, EQ: 711, EX: 744. It IS possible to climb out of the dumps, but it takes WORK. Work + time = eventual freedom. Thanks to all those here whose advice and guidance helped make it happen!
Yea!!!! What an awesome success story! Thanks for coming back and sharing. Congratulations on your new home, and we hope to see you around often sharing your experiences with others who come seeking help.
