Shot to pieces in just 6 months...

jedifrogman — Fri, 12 Oct 2012 03:53:11 GMT

Hello everyone, I'm new.

As recently as April of this year, I was sitting relatively pretty at 611 on EQ. I was entering into a relationship that I had no idea what was going to happen, and I ended up paying for absolutely everything and didn't have anything left to pay my own bills. I have a car loan ($200), two unsecured loans ($150 and $120), and three credit cards, two of which have a limit of $500 or less, the other is $1000. Combined util is 89% on those. I snapped out of it and broke free in late July, but by that time, *everything* was either 2 or 3 months behind and I had 3 payday advances open. 2 are remaining (one for $635 and the other for about $800) as of today. Today, I got a notice from Score Watch that says my old cable bill went into collections and my score dropped another 38 points to a 427. I did not think it could go any lower. Probably going to attempt at PFD for it since it's new and it's only for $164 and change.

Since August I've been current on my credit cards, but they haven't reported since last delinquency.

So question...if I remain on-time with my credit cards / loans, can I "force" the issue by asking them to do a "manual" report that I'm current, or is there a minimum time that must be waited out first?

I can't wait to climb back out of the cellar. I'm pulling in about $1600 every 2 weeks, but it seems like the hits keep on coming. It sure seems like it's harder after starting to catch up because more seems to come up.

jedifrogman Tracker

Shot to pieces in just 6 months...