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"I am so grateful for the progress. Each month brings a new milestone. My Capital One balance is under $ 5,000 for the first time since probably 2010, and Chase is under $15,000. By the end of the year, my total balance will be less than what the Capital One balance alone was when I started.
I’ve been slowly and carefully raising my credit score and was finally in a position last month to refinance my HELOC, which allowed me to pay down the high-interest installment plan for the roof I had replaced in 2018. This still leaves enough available credit for any unexpected emergency while also freeing up cash flow to allow me to continue living as credit-free as I can. My credit score has increased by over 100 points in the last 2 years, and I am solidly in the Good range with all three credit companies.
While I am crossing my fingers and hoping my 17-year-old car will make it another 2 years before I need to add a car payment to my expenses, the increased credit score will certainly help keep the interest rate low if I do have to make a car purchase before my ACCS payments are completed.
I couldn’t have done any of this without the assistance of your organization. Just thinking back to the despair I felt 3 years ago, I cannot imagine my life now had I not made that initial call. 2 years from today, if not sooner, my payments will be completed, and the enormous weight of debt will be nothing but a sad memory. I cannot thank you enough!”
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