and my score is now at a place that makes me proud. :) 4 weeks ago
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but my report hasn’t updated since June!!! Very frustrating. 7 months ago
My credit score rose over 20 points. It’s nice to see some results, though. 8 months ago
I’m going to check my credit score again at the end of March. I think I will check it every 6 months.
I STILL need to pay off my credit cards. Ugh… 15 months ago
How I did it: With the help of my credit union, they helped me obtain a secured credit card. I made sure that if I didn't have the money in my bank account to pay for the item i was about to charge, i didn't buy it. I opted out of pre-screening credit card offers for free for 5 years. (these are not as harmful to your score, but can still cause damage) I checked my credit report with all 3 major agencies via Annual Free Credit Report (this is free and not to be confused with freecreditscore.com ) as often as it would allow me. Reviewed all 3 reports and figured out any discrepancies. I started with the easy ones, such as name or address discrepancies, and then moved on to the bad history. I took each item at a time. I called the numbers provided to find out what my status was and what i could do to negotiate the balances if any. (beware: they will update your information and this opens up a window for collection agencies to begin calling you at ALL hours!) Let them know that you are willing to work with them and tell them your current financial status. they are almost always willing to work with you if your intentions are really to pay them back and close the issue.
but it’s not terrible either. I can see progress. It’s slow but it’s better than none at all. 17 months ago
Up again. Inch by inch, my score has been improving. In 6 months I’ve raised my score 44 points. Not a ton, and I’m still far from where I’d like to be, but I’m moving in the right direction.
Hopefully I can get it together to comb through my report and call in any discrepancies too. 17 months ago