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Established Member
Posts: 42
Registered: ‎02-25-2009
0

A HUGE thank you!!

I never really post on here, but I had to say thank you to all of you who post regularly. I used to have good credit, in the mid to upper 700's, but life took a bad turn on me.(job loss, medical bills) I had to make some challenging decisions, and I have been working my way back up since. I come on here everyday and check out what is new. Since I started actively viewing and learning from everyone's posts, I have learned what credit cards I should apply for, what I should stay away from, and what I need to work on trying to obtain in the future! I have also started taking any extra money and paying down my balances rather than "splurging" on new things. I have paid down all but 1 of my credit cards and obtained 3 new GECRB store cards in the last few months all thanks to all of you!! I plan on gardening now and improving my scores so I can one day get some of the nice cards some of you currently have. Just had to let you all know that even though not all of us post on here, we do pay attention and care about the things that are shared.



Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Valued Contributor
Posts: 1,057
Registered: ‎03-22-2012
0

Re: A HUGE thank you!!

You're more than welcome! Glad we could be of some help.

 

You should stop in and post more often. We don't bite! (Well...At least most of us!:smileywink:)

 

It sounds like you are moving in the right direction.

 

Good luck!



Starting Score: EQ 658 6/18/12
Current Score: EQ 705 4/16/15 - EX 707 3/8/15 - TU 707 3/8/15
Goal Score: EQ 720+
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Regular Contributor
Posts: 369
Registered: ‎02-01-2010
0

Re: A HUGE thank you!!

Welcome & congrats on your approvals!

Meg.

FICO: 03/2015 - TU 768 | EQ 783 | EX 775

FNBO 15,100 | Barclays / Sallie Mae World MC 13,000 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Discover IT 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: A HUGE thank you!!

I have some understanding of your situation, as I went through a rough patch myself. I've recently accomplished a successful rebuild with the help of this forum, and believe me, if I can do it, you can too. You're on the right track and just need to continue paying down those balances and treating your cards responsibly. Stay on this path, and you will eventually achieve your credit goals. My best wishes to you!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Member
Posts: 42
Registered: ‎02-25-2009
0

Re: A HUGE thank you!!

Thanks everybody!! I actually saved up a nice chunk of money to go on vacation, and at the last minute told my fiance' I wanted to pay off some of my debt. ha. He was actually all for it!!I am really starting to feel good about my credit future...something I did NOT feel last year!!



Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
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