ok - this message is to give others hope i didnt have any really bad major negatives but i had about 15 late pays total one yr ago i was generally paying about $300 a month in interest and this is what my rates looked like: amex 1 - 29.99% amex 2 - 24.99% citibank - 14.7 providian - 22.9 cap 1 - 19.8 att univ - 19.8 EQUIFAX FICO 607 today this is what it looks like: citibank 1 - 7.71 fixed citibank 2 - 0% thru 2004 then 6.9 chase - 2.9 thru july then 6.9 fixed EQUIFAX FICO - 741 also my available credit is now over 20,000... PEOPLE DO NOT GIVE UP
Thanks so much for posting your success! I'm sitting here this evening feeling really depressed. I posted earlier about our low FICO scores, without an apparent reason for it! Congrats on improving your credit!!!
