Two years ago to date I had a 560 credit score and no hope. I honestly thought I would never get a credit card let alone a mortgage. Flash forward to today; I am scheduled to close tomorrow on a brand new house! I know it might sound cliché, but if I can do it anyone can!
I was at a point where I didn’t even want to see my credit report because I knew it was going to be horrible, but I got motivation in the form of a wife and a newborn daughter.
At that point I knew it was time to take action and pull my credit reports. I was amazed, but not surprised at the amount of derogatory information I had on my credit report. It was very intimidating but I took the challenge head on and now I can proudly say I have a 750 credit score!
Having bad credit doesn’t make you are a bad person; It just means you are human. All humans make mistakes once or twice in their lives. I can honestly say this forum has helped me tremendously on repairing my credit and getting me to the point I am now, and I will be forever grateful! There is always hope!! Just remember, there are a lot of people that have been in your shoes that have a lot of useful information!