I did it. 498 to 754 Fico

I will never forget the feeling I had when I applied for credit for something and was later sent the reason why...a 498 score.

I was beyond shamed and I had no ideal what to do about it.

I worked hard.

Really hard.

Most importantly, I educated myself.

I poured over books, videos and the like.

I than decided to act and no longer be acted upon.

I aggressively paid things off from many years ago, got secure cards and never once abused them. And then success hit about 6 months into my journey.

One of the best feelings of my life.

I then went to work heavily on my wife's finances and fixed those as well. From a 630 to 700.

I feel incredibly proud.

I now budget (every month), pay on time and every time, have an emergency savings account, keep our debt low and invest 15% into an IRA (for me) and 401k for my wife.

Taking control is the most freeing feeling of my life.