<prompt> Human: If you need help, please check the PF Wiki to see if your question might be answered there.This thread is for personal finance discussions, questions, and sharing your success stories:1. Make a top-level comment if you want to share something positive regarding your personal finances! Instead of posting individual threads for positive success stories of how youve funded your emergency fund, made progress on your debt, saved for a future goal, reached a certain net worth, or anything else you would like to share, lets consolidate everyones stories into one weekly thread!2. Please make a top-level comment if you want to ask a question! Also, please dont downvote moronic questions! If you have not received your answer within 24 hours, you can feel free to start a discussionA big thank you to the many PFers who take time to answer other peoples questions!For past threads, please search the Weekly Archive  <response>: I just wanted to throw out into this sub that when I started realizing that my school debt for a failed semester wasnt going to go away and zeroed in on my financial health, I was ashamed to find my credit score sitting at a whopping 421. I still remember where I was when I finished signing up for credit karma and the page refreshed on my phone. This was December of 2014. Yesterday I got an update about my credit score and after checking it wanted to share that after two more years of denial and then hard work rehabilitating loans, calling about derogatory marks and more, my credit picture both looks and is much healthier. My score is sitting right at 640!!!I know I have a long way to go but Im just super proud of myself for finally taking the leap to do something about this. I feel so much lighter! 