I fell onto some hard times about ten years ago. Eventually I was able to pay the debt off but my credit was in the toilet for years. I went from a credit score of 530 to 600 and then it just sat there...and sat there..and sat there for a few years until the magic date passed where crap fell off and it jumped to 750.
The other lines of credit people are mentioning might be helpful, but in my case I just had to be patient. If I can manage to never take out a loan again in my life (it's been ~10 years) I'd love that. Debt sucks.
The other lines of credit people are mentioning might be helpful, but in my case I just had to be patient. If I can manage to never take out a loan again in my life (it's been ~10 years) I'd love that. Debt sucks.