In the Summer of 2009, I thought for a moment that it might be a good idea to at least face my debt, so I decided to pull my credit score. I don’t remember the exact number, but it was bad. Technically speaking, it was poor.
It had taken quite a while for it to finally catch up to me, but by then it was in the 500 range, and I let myself be too embarrassed about it to actually do anything.
Later in the year when I started this whole thing, my credit score was not a big priority. I figured I’d just get myself out of debt and hope that my credit score would eventually reflect that hard work. It remained something of a sore subject for me, because more than the debt itself, it was a sign that I’d messed up and I expected it would follow me even after I’d erased all other signs of my failure.
I’ve come to terms with my debt since then. It’s easy to do when the number starts seeming reasonable. So my credit score is no longer something I want to hide myself from.
Then there’s the fact that my score is fine now. Technically speaking again, it’s good. It did take some time to show improvement, but as my debt went down and opened up available credit, my score went up. It’s now in the mid-700s
It did exactly what it was supposed to do without any magic required. And while I have every intention of getting it to excellent, I’m good for now.
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