A few years back my wife lost her job and we had a fair amount of credit card debt. We started juggling payments and stayed having late payments. It was doing a real number on our credit. It went down into the 400-500s after almost defaulting on a HELOC.

I was able to wrestle to where it is now over the last two years or so. Paid off the HELOC, kept payments on track, paid off some cards, paid down some balances.

About to buy a car and add an additional car note. Hopefully, that doesn't make it dip. But if we stay on track with payments and paying down balances, it should be a minor hit and we should keep going up.

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