I refect back and recall how happy I would be to finally hit 620 or 640 and the struggle to keep it there when I got it while still cleaning up credit, moving states and hitting some very hard times while making sure I didnt let it bother my credit. Wow that was rough but I kept pushing and doing the struggle and comming back here for the mental reassurance, I could do it and finding options to help me get through, when before it was much easier to just skip a payment, not open the letters, avoid the phone calls ..
I owe sooooo much thanks to everyone here who post, shares, helps.!!!!!! Newbies going through the struggle, ask for help, and dont give up!!