Hit 700 for the first time after 4 years of fixing my mistakes
Finally broke through to 700 on my FICO 8 last week. I was stuck around 640 for years because of a charged off card from when I was 22. Paid it off in March of last year and sent goodwill letters every month for 6 months. One finally worked and they deleted the whole thing. Also added myself as an authorized user on my dad's oldest card, that gave me like 40 points. Anyone else had a charge off removed with goodwill letters? How long did it take you?