Well…it sure for the past 18 months, and I have not been so active as I’d like. I decided today to update some members on where to stand. My genuine rebuild started about 2 years ago. Earlier this year I was at 500’s credit score across the board, and was overwhelmed. I have spent countless hour on my phone with collection companies, my lawyer and the credit agencies. I’m now around 780’s FICO score with the help of ROOTKITS CREDIT SPECIALIST. In July unexpectedly was forced to purchase a new vehicle which was APPROVED! Interest rate around 5% I’m qualified on my own which was a huge success. A month later my S/O and I unexpectedly were offered a chance to purchase the condo we live in. We were both APPROVED with FHA. I’m elated, and I still have a long way to go. I’m going to garden for a while, but I will be working with chase now that I have my auto loan and new checking/savings account with them with decent assets. I proudly recommend them to everyone contact them via: rootkitscreditspecialist AT gmail DOT com My advice to anyone struggling is to know it can and will get better, and you can get it done one thing at a time.