H-Town_Tider Tracker

Re: What's your day job?

H-Town_Tider — Sun, 12 May 2013 03:56:46 GMT

I'm a mechanical engineer for a MEP consulting engineering firm.

Re: Take the myFICO Fitness Challenge for 2013!

H-Town_Tider — Mon, 06 May 2013 02:19:29 GMT

H-Town_Tider wrote:
Happy New Year, all! I started 2012 with below average scores, and until I found this board I didn't know jack with regards to the credit system and how it works. I have learned a ton this year just by reading these boards and doing a little bit of research. I had a successful 2012, but I have even bigger goals this year.

2012 Recap:

Improved my scores from the mid 600's to the 730 range.
Successfully had a 30 day late and medical collection removed from mine and my wife's credit reports, respectively.
Reduced my CC utilization from 60% to 33%.
2013 Goals:

Hit 760 across the board on my scores.
Reduce my CC utilization to below 10%.
Have the final two 30 day lates removed from my credit reports.
Buy a new car by April. - Done as of 3/2/13
Obtain my first mortgage.
Good luck to everyone on their credit journey this year! Credit repair takes time, but it will be worth it in the end!

One down. My scores are getting closer to my goal, but I'm not quite there. I'm on track for my CC utilization. Mortgage will now happen early to mid next year as we have opted to wait an extra year in order to save more money for a down payment.

Re: And construction has begun! Woohoo!

H-Town_Tider — Mon, 15 Apr 2013 04:37:09 GMT

Those window vales are extremely good. I've never seen a 0.18 SHGC window installed before. My dad just had all of the windows in his house replaced and they had an SHGC of 0.22 and I thought that was insane (the lower the SHGC, the better).

Re: Auto Loan Approvals!

H-Town_Tider — Sun, 03 Mar 2013 03:57:02 GMT

APPROVING BANK: Bank of America
BUREAU PULLED: Equifax
CREDIT SCORE:743
CUSTOMER STATE OF RESIDENCE: Texas
NEW/USED: Used
YEAR OF VEHICLE: 2013

MAKE: Acura

MODEL: TL
MILEAGE: 3,454
RETAIL/LEASE: Loan
AMOUNT OF LOAN: $40,209
TERM CONTRACTED: 72
APR/LEASE RATE: 2.24%
MONTHLY PAYMENT: $597

ANNUAL INCOME: $80,000
MISCELLANEOUS COMMENTARY: I was pre-approved by USAA for $35,000 at 3.29%, but was able to get a better rate, more on the loan and $0 down by going through the dealer. The car was a loaner car used by customers who brought their car in to get serviced. I've always had nothing but old beaters to this point, so I'm super pumped about this car!

Re: Should I give up on Capital One?

H-Town_Tider — Thu, 03 Jan 2013 03:50:50 GMT

Definitely don't give up. I called Capital One in early December and asked them to update my account with the CRA's as I paid my card down to a $0 balance a few months earlier and when I pulled my report at the end of the month they had updated my balance and deleted my 30 day late from my reports. My score jumped 25 points and I wasn't even calling to ask them to remove the 30 day late.

Re: Take the myFICO Fitness Challenge for 2013!

H-Town_Tider — Wed, 02 Jan 2013 01:00:20 GMT

Happy New Year, all! I started 2012 with below average scores, and until I found this board I didn't know jack with regards to the credit system and how it works. I have learned a ton this year just by reading these boards and doing a little bit of research. I had a successful 2012, but I have even bigger goals this year.

2012 Recap:

Improved my scores from the mid 600's to the 730 range.
Successfully had a 30 day late and medical collection removed from mine and my wife's credit reports, respectively.
Reduced my CC utilization from 60% to 33%.

2013 Goals:

Hit 760 across the board on my scores.
Reduce my CC utilization to below 10%.
Have the final two 30 day lates removed from my credit reports.
Buy a new car by April.
Obtain my first mortgage.

Good luck to everyone on their credit journey this year! Credit repair takes time, but it will be worth it in the end!

Re: Chase Goodwill Question - email or snail mail?

H-Town_Tider — Mon, 31 Dec 2012 17:58:05 GMT

Would someone mind to PM me the contact as well? Thanks!

Re: Score climbing slowly but surely

H-Town_Tider — Mon, 31 Dec 2012 17:51:59 GMT

I'm the same way. Everytime I get an e-mail or a text message about a score change, I have to log-in immediately. I started out with my scores in the 650-ish range at the beginning of this year and have improved them to the low 730's.

I don't know if just paying you CC's down will be enough to get you to 720 in the next few months or not. Do you have any baddies you're trying to get rid of? If so, that would definitely help.

Re: Another 11 point bump for EQ FICO!

H-Town_Tider — Sun, 16 Dec 2012 16:39:09 GMT

Congrats!

Re: GE Capital card showing closed on my CR

H-Town_Tider — Sun, 16 Dec 2012 16:37:05 GMT

Update: The guy I spoke to was true to his word, and they got it fixed on my reports. My TU score jumped 25 points!

Re: Auto Loan Approvals!

H-Town_Tider — Mon, 29 Oct 2012 00:33:43 GMT

guydiver wrote:
CraveMazda wrote:
MyFico has really really helped me with my road to credit recovery. Today I bought a Lexus Certified Pre-owned at the best rate possible during their October sales event.

APPROVING BANK: Lexus Financial
BUREAU PULLED: EQ
CREDIT SCORE: 726
NEW/USED: CPO
YEAR OF VEHICLE: 2010
APR/LEASE RATE: 1.99
Term: 60 months
Congrats. That's awesome. What did you get? Got my eye on a CPO RX 350. If they pull EQ my auto score will be close to 800.

My wife's last two cars have been an RX330 and an RX400h, respectively. Bought both of them used, and they both were/are awesome cars. They really hold their value.

Re: GE Capital card showing closed on my CR

H-Town_Tider — Sun, 28 Oct 2012 23:32:30 GMT

Haven't used it since last year, but I just paid it off last month.

GE Capital card showing closed on my CR

H-Town_Tider — Sun, 28 Oct 2012 23:11:10 GMT

I have a Rooms-to-Go (GE Capital) credit card with a $4,500 CL and a $0 balance that is showing up on both my TU and EQ reports as "closed by consumer," which is absolutely not the case. I called and spoke to a CSR about it, and he said he put a note on my account for them to fix it when reporting to the CRA's next month. I don't know if that will work or if I should call a backdoor number and speak to a "higher-up." Anyone ever had this happen? I want to get this fixed as that would lower my utilization % by roughly 18%.

Re: Debt collection SOL

H-Town_Tider — Thu, 18 Oct 2012 17:11:22 GMT

Thanks for all of the replies! I'm going to send the PFD's and see what I can do to get these resolved.

Re: Debt collection SOL

H-Town_Tider — Thu, 18 Oct 2012 06:12:23 GMT

One was for $412 and one was $438.

Re: Debt collection SOL

H-Town_Tider — Thu, 18 Oct 2012 05:34:39 GMT

Thanks! So, if they use the Alabama SOL, they could technically reject my PFD letter and sue me for the debt? I would think they would just accept the PFD if I'm willing to PIF, but I don't want to "wake a sleeping giant" if there is a risk of getting sued.

Debt collection SOL

H-Town_Tider — Thu, 18 Oct 2012 05:20:37 GMT

My wife has two past medical debts (one from 2007 and one from 2008) that went to collections. I want to issue a PFD letter for both, but would like to know the SOL for the debts before doing so. We lived in Alabama at the time the debts were sent to collections, but we currently live in Texas. Which state's SOL do I need to go by?

Also, what are the chances of a PFD working if we're still within the SOL?

Re: Take the FICO Fitness Challenge for 2012!

H-Town_Tider — Mon, 17 Sep 2012 04:56:31 GMT

First post! New to the boards, but I've been using myFICO for awhile now. Good luck to everyone!