Okay i'm done!

[Princesskina]

Okay I was discharged in Feb 2007

Since that date I was able to get alot deleted from my credit reports. My judgment from palisades was deleted as well as other misc. bills I have about 2 or 3 IIB on my credit reports and everything else was deleted when disputed.

I was able to get 2 unseccured cards and 1 secured

HouseHold 300 limit 9.9% APR

HSBC 300 limit 9.9% APR

Hooters Secured 1000 limit unsure of APR

I am done with applying and accepting cards now it's time to manage, can anyone give me some feedback am I on the right track also I checked my FICO and it said

TU=521 (which 1 of the 3 IIB won't report accuraetly)

EQ=610

EX= 595

[poorme]

You're off to a good start. You've done a lot of work laying the basis for a solid, managed approach to your credit future. Congratulate yourself! I took my new Hooters card and purposely went there and bought myself dinner to celebrate! Next, just let some time elapse, continue working your cra reports, and pay those card balances without fail. You'll continue to see improvements in your scores over time and then you can begin applying for additional accounts once you see what your needs are.

WAY TO GO!!

[Princesskina]

You're off to a good start. You've done a lot of work laying the basis for a solid, managed approach to your credit future. Congratulate yourself! I took my new Hooters card and purposely went there and bought myself dinner to celebrate! Next, just let some time elapse, continue working your cra reports, and pay those card balances without fail. You'll continue to see improvements in your scores over time and then you can begin applying for additional accounts once you see what your needs are.

WAY TO GO!!

Thanks I think once Verizon reports correctly on my TU then I might see a score jump there. They wont cooperate I told EX and EP my situation and they automatically IIB but I haven't contacted TU via phone yet I been busy but I will this week and hopefully this time next year i'll be ready to upgrade. My ultimate goal is to be able to manage credit wisely and purchase a home under my own name.

[FilingOnMyOwn]

Yeah you're doing great. You're in the same situation as me, only having 2 or 3 derog accounts besides the bk. This will be a big help to your rebuilding.