I have silently scroll this page endlessly for about four months now. Four months ago my credit score was a 515. I made numerous steps to rebuild my credit and make my financial future a little brighter. I cannot believe I got this jump today.

First off, let me explain I grew up in a very poor family with terrible financial habits, I learned all of those habits from my mom. I had one repo, four credit cards that were maxed out, a gym membership, a charged off credit card and an eviction. I was in terrible health as far as credit goes.

I got on Reddit on this forum, and I started seeing all the advice, all of the disputes, Goodwill, letters, and the professionals giving their advice. I would quietly get off of Reddit and go try it out for myself. I want to thank you guys endlessly for the wisdom that you gave me between all of the different scoring models and what to look out for. I would send about 25 letters per week.

Those 25 letters per week and about 20 phone calls per week turned into about two per week as I got all of my accounts down that were negative. I was surprised how many people couldn’t verify a debt. I was also surprised by how Capital One was willing to take off late payment payments as long as you show that you were trying to help yourself. Long story short I got every derogatory thing that was on my credit removed, and this is the ending as well as the new beginning. I will be sure to never have another late payment or put anything on my credit that I cannot handle.

Lastly, the word of advice I have for anybody still in the process is do not stop. Sending those letters do not give up. There is a light at the end of the tunnel. You’ll be so glad that you showed up for yourself. All of those days that you put off taking care of business will add up. 

When you follow the advice of strangers…h