- myFICO® Forums
- About PayingTheBills
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for
since
01-29-2009
02-07-2022
PayingTheBills
Frequent Contributor
353
Posts
24
Kudos
06-14-2011
08:30 AM
I can't believe I didn't update this back in January, but my TU FICO went to 715! I have moved recently, and my CC balances have been creeping up on me. I am working to pay them off within the next three months, and at that time I will pull new scores. See my first post on the first page, which has been updated with new info. My two PR's have fallen off all three reports, and I expect both FICO's to be above 720 after my CC balances are back to 1% utilization.
... View more
12-19-2010
10:36 AM
New score was supposed to arrive on 12/18/10. Normally it takes a few hours into the the next day (usually before 2am) for my score to arrive, but it hasn't happened this time... Perhaps because today is Sunday?
... View more
10-01-2010
04:25 AM
First post edited/updated! Check it out! I have had to scale back the extra payments on my car. I had Lasik in April and moved in July, so that has eaten up a good chunk of change. I am replenishing my emergency fund, and then I will be back on the attack! I am considering checking my EQ Fico today... it's been at 638 for about a thousand years now.
... View more
07-22-2010
05:32 AM
I know I owe this journal an update, and I'll try to do that this week (we're in the middle of moving), but I just wanted to pop in and say that I got a CL increase on my Target Card, from $200 to $1,000! I must have heard a million times that Target just doesn't do CL increases, and I certainly didn't expect one or ask for one. Good news!
... View more
03-24-2010
09:11 PM
Thanks guys! #1 I contacted NelNet, who directed me to GC Services, who set up the rehab program. Then my loans were picked up by Sallie Mae after rehab. #2 I paid the OC. Myfico.com got rid of all the good info on how to get these removed. I've found that persistence is the key, and a little bit of dumb luck. But I remember hearing what you're saying, that if you pay the CA, it won't work. Then you just have to GW the crap out of the CA.
... View more
03-23-2010
08:16 PM
TU FICO Quarterly Monitoring just updated, went from a 650 to a 669! Woohoo! I also updated my first post with all new info. Check it out!
... View more
12-12-2009
10:59 PM
TU FICO Quarterly Monitoring just updated, went from a 644 to a 650! Woohoo!
... View more
11-19-2009
08:25 PM
Thanks Barry, I guess I just got a negative Nancy when I called. :thumbsup:
... View more
11-16-2009
04:14 PM
I called a few minutes ago to cancel my Scorewatch subscription. I'm to the point in my credit repair where I only need to see my FICO score once or twice a year. I've been getting billed between the 18th and 20th of every month, so I called today figuring I had timed it right. I went through the process of canceling the subscription, and I asked the rep to confirm that I had called in time to not be charged for an additional month. She replied, "Yes, it renews on the 15th, so you've already been billed." So I said, "Wait, I've already paid through the 14th of NEXT month, and you didn't think to mention that to me as I was canceling?" She replied, "Sorry, we do not offer refunds on monthly subscriptions." Wow. It's only $7.16, but the principal is enough of a reason for me to not buy scores through MyFico.com again if thats how they treat customers.
... View more
10-28-2009
05:37 PM
$2,200 and dating the author of the previous post :) Message Edited by PayingTheBills on 10-28-2009 08:38 PM
... View more
10-21-2009
09:07 PM
sadly, it looks like the only way you're going to get that one deleted is if you copy/paste your credit report into a Word document and then delete it yourself. That's a tough one.
... View more
10-21-2009
09:05 PM
CreditCheck from Experian? If so, trust me, we're all happy you're managing your debt and paying things down, but those are FAKO scores and have no basis in reality. Pull your FICO's from here and see where you stand, that will give you a much clearer picture. AWESOME job on getting your debt paid down though, especially in this economy! :) :) :)
... View more
10-21-2009
08:42 PM
thanks! that first large increase came when 5 of my student loans were rehabilitated (which made the 5 collection accounts from the guarantor disappear). That second medium increase came from bringing my revolving utilization from 95% to 8%, (my FICOs went to 627 EQ and 622 TU then) and its now at <1% every month. Since then I've only had small increases (627 to 638 EQ and 622 to 644 TU), but 4 years from today I will be celebrating a flawless report and I will be 100% debt free. :) Message Edited by PayingTheBills on 10-21-2009 11:45 PM
... View more
10-18-2009
03:56 PM
My Cap1 Credit Steps are COMPLETE. Limit just increased from $750 to $1,000! Woohoo for small victories! See first post for updated journal.
... View more
09-14-2009
09:29 PM
@Anonymous wrote: You guys just dont know how you all were my inspiration especially PayingtheBills....... I'm glad I could help a little. This site rocks, and I have to give a big shout out to HTSU, llecs, and TXJohn for their advice and guidance.
... View more
09-14-2009
09:25 PM
www.whogavemecredit.com Generally, you don't want to have an inquiry for at least a year before applying for a home loan. Also, if you already have 13 accounts, a 14th isn't really going to help. If some of them are new (less than a year), and you don't need them, consider closing them to help your AAoA grow a little. Don't app for the home loan until those two accounts fall off and do what you can to get that judgement vacated. Also, don't be afraid to pull a credit score. Scorewatch offers a 30 day free trial.
... View more
09-14-2009
08:26 PM
Awesome job! PIF every month and you'll be cracking 600 before you know it!
... View more
09-14-2009
08:17 PM
Thanks! I always appreciate the encouragement I get here at MyFico. In other news, I had to split my first post into two posts because it got too big, haha. Go check it out, I added new info!
... View more
09-14-2009
04:34 AM
TU QUARTERLY MONITORING JUST UPDATED!!! MY TU FICO WENT FROM 617 to 644!!!!
... View more
09-03-2009
09:02 PM
@Anonymous wrote: Of course when you pay off that $30 balance you will lose $5K out of the UTIL calc, To be optimal you still have to be < 9% UTIL without the $5K. I may be misunderstanding the situation, but if the BofA CC with the $5k limit is CLOSED, the limit on that card is calculated as $0. So he already lost the $5k in his available credit....right?
... View more
09-01-2009
05:56 PM
My HFC Collection Account fell off one day before the 7 year anniversary of the DOFD! Message Edited by PayingTheBills on 09-01-2009 08:56 PM
... View more
08-24-2009
06:34 PM
First off, kudos for managing your debt ahead of managaing your score. However, your experience is definitely an exception, and I can't imagine why an updated collection account would raise your score, unless you hadn't checked your score for some time, and other factors raised your score. Was this an EQ FICO score, or FAKO?
... View more
08-24-2009
06:24 PM
Thanks for the positive comments everyone, I really appreciate it. I got a new full time job that started on July 24th, and I have been working at my old full time job on Saturdays and Sundays. So I haven't had a day off in over 5 weeks and I won't have one until Labor Day, but with the extra $ coming in, I can pay things off quicker and put some money away for a rainy day. Keep your heads up everyone, if I can do it, you can too!
... View more
08-16-2009
07:18 PM
You can do it! This site has been invaluable to me as I continue to repair/rebuild my credit. If you have any questions or anything, please feel free to send me a message and I'd be happy to help any way I can. Also, the mods and members of this site are extremely knowledgable and helpful. Set small short term goals, and you'll be above 720 before you know it!
... View more
08-16-2009
11:30 AM
I have been trying to rotate which one of my three CC's reports a balance of 1% each month. this month my BoA CC and Target card both reported $0, and my Cap1 reported 1% yesterday, and my EQ FICO went up 3 points today along with my scorewatch alert that a balance had increased by $10. 635 to 638. I'll take it. :)
... View more
08-14-2009
03:34 PM
no harm in going to your local CU, talking one on one with a rep, and asking what they can do for you. This seems to work more if you have been in your city and at the same job for at least a few years so they know you're less of a "flight risk." Ask your friends and co-workers about their CU's, and how they like them. Even if they can only give you a secured CC or a very low limit on an unsecured CC,it would be worth it They may require that you switch your direct deposit to them, YMMV. I never saw my FICO's before my first CC, but my score went up with my second CC (cap1), and first retail card (Target). Message Edited by PayingTheBills on 08-14-2009 06:36 PM
... View more
Latest Tags
No tags yet
Kudos given to
