1 year ago I had 3 collections account, no credit cards, no history, and no real score or clue about credit. I attempted a loan with my credit union and found out my score was a 545 and I had all these problems. Since then I’ve eliminated all my debt, have a cap 1 card (they just increased my limit too) and am sitting with a 622 score. I keep my utilization low and have never missed a payment and pay in full. Paid off my last collection account in February. Anyone else have good success?