Two years ago, a member came to us with a credit score in the mid-500s and a number of collection and charged off items. We made a plan for what to pay back and in what order. Over the last two years, with a gentle nudge here and there, she has raised her credit score to over 700. We are working on diversifying her credit usage and bringing her partner along for the credit building ride. We hope to get her into a home of her very own in the next two years.