The scoop is this:
In 2016 around June my credit score was over 700. I could have gotten anything on credit that I wanted. Little did I know that my ex-husband would do everything to destroy my ability to have a financial future. He was running my credit, trying to get services, and ordering things using all of my information. I didn’t even think anyone would do such a thing until a friend told me to check in April of 2017. When I checked my score was down to 403 and I was emotionally and financially devistated! Completely overwhelmed by it all I was a deer caught in headlights.
I spent months trying to dispute almost everything that was on my credit because it wasn’t mine. I finally started to get control of it all by the end of 2017 and promised that by the end of 2018 it would be up over 600 if I had anything to do or say about it.
Today is February 18th, 2018 and my score is up almost 150 points! I am thrilled and feeling like progress is finally being made. Lots of letters, phone calls, and nose to the grindstone with this and I am seeing the progress!
YAY me!
Another 100 points up and I will be happy. I don’t want to use my credit but I do understand how valuable it is to have when the time comes that you might need it!