<prompt> Human: Ive been following this sub since before I graduated college in August 16. Ive been working in my field for a year tomorrow, actually. Since April Ive been doing some hard work on mine and my husbands credit, and I just realized today that I increased my credit score 76 points since then! Less than a year, and Ive done a complete 180 on my credit, from not being eligible for anything, to CreditKarma telling me I have options all over the place!I just had to tell someone that would appreciate how far weve come and how hard this has been. We had a lot of stuff in collections, relatively few accounts, and I had a massive amount of student debt. The student loans are still there, but Ive never missed a payment, so theyre in good standing and apparently not hurting my overall situation too badly. The collections accounts have all been paid off and removed collectively we had close to 20, I think, and weve both got important accounts in each of our names before I carried it all. Im just so proud of us, I want to shout it from the rooftops!  <response>: Congrats! I know exactly how you feel. After being in debt for years and finally paying it off, my credit score went up a ton in the next six months. Unless you have some really bad stuff impacting your credit, its not that hard to repair it. I feel like alot of people me included have been taught that when your credit is trash its a big hole to dig out of. Paying downoff debts and fighting any negative marks on your reports can make drastic changes.The hardest part people face is accepting their situation and doing something about it. I waited 6 years to pay off credit card debt. When I finally decided to do it I was debt free in 3 years. Not only sharing stories like yours, but how you did it can help alot of people. I didnt get a grasp on my financial troubles until I saw so many people in this sub with the same problems.Great job, now finish paying off your loans and building your net worth! 