Hi,
I just wanted to introduce myself. I'm new to this forum but not quite so new to credit repair.
About two years ago I decided to take the plunge and dive head first into repairing my horrible credit. I think I had maybe seen my CR once before.....I was too scared to look. I was not only very irresponsible with credit as a young adult but I also at one time had lost my job, had my car repo'd, got multiple COs and on top of that racked up a TON of medical bills.
When I first pulled my scores they were in the 400's (ouch!)
At that time I had 3 COs and 27 collection accts......and only 2 old closed CCs that somehow managed to be in good standing.......oh yeah.....and a judgment (yay...lol). I probably should have declared bankruptcy but I'm stubborn.
Needless to say I have had my work cut out for me. I am now down to 2 COs and 5 collection accts......and I'm still going. Last time I checked my score, I averaged in the low 600's. Not too bad.
Anyway....(trying to make a long story short here) I just wanted to give you guys some background to let you know where I'm coming from. I've been around the block a few times with credit........and I still have more to learn but I've found that along the way, I was able to help educate others as well......or at least point them in the right direction to find the answers.....and I enjoyed it.
So I'm here to do some work but I'm also here to help people if I can. I will let you know what my experiences have been and what I've learned so far.
In a big a$$ nutshell that's it.
