New Member
Posts: 3
Registered: ‎01-02-2012

Re: Had to come to a realization tonight.

android01 wrote:


Stop talking about applying for new credit and CLI's because you aren't going to do either.

Start talking about your progress, i.e. balance reductions on your accounts, decreasing utilization, and increasing FICO scores. 

Stop placing time frames on when you are going to apply for new credit (i.e "I'm gardening for at least two years, or until January 2013 etc.).

Start looking at this as a one day at a time deal. 

Stop being so hard on yourself.

Start talking about the credit lines you are going to CLOSE because they aren't useful, you don't want them, or you don't need them.

Start to have PATIENCE.  It takes a while to pay a large debt off.


I wish you the best, LS.  You'll come out of this just fine. :smileyhappy:


I agree, take some time away from all things credit and relax. Patience is really the only way to get ahead, you can't cut corners each time you're assessing your credit situation. 



Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.