increase my credit score

I lost the fight with hsbc. Was over limit without a payment for so long, they closed it. collection company offered to settle it for 300, so I did.

My HSB account has been over limit. It was hard, but I paid so that I would not been over limit. The limit is 300 and I have 16 available. It’s nothing, but I’m determined to bring this one under control.

The bill is due and I need to remember to pay it on next pay period. I also need to get my credit score and report so I’ll know how far I have to go.

I have a credit card that is active! The limit is $300 and I have almost maxed it. The good news is that I’m in good standing and can pay as much or as little as I want or can. I will not mess this up and will continue to pay down other things. I would like to use this card to buy a new bowling ball, or maybe a netbook.

I’ve been paying things recently that I haven’t been able to pay for months. I’m feeling the color come back to my cheeks.

I’ve had this as a goal for the past 3 years. I’m gonna get there.