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Frequent Contributor
pdog661
Posts: 378
Registered: ‎03-31-2012
0

Thank you to this forum

[ Edited ]

Hi,

 

I wanted to publicly thank this forum for all the advice and time people have spend sharing information.

 

Many here have helped me achieve great things with my credit in a very short time (6 months).

 

Due to advice on this board I was able to remove all negative items (2 30 days, and 1 60 day late) through GW process.

 

In addition to I have upgraded my Limits and card status.

 

Here is where I started 6 months ago.

 

Credit score 663:

BOA visa -8000 CL

Citi Professional 3600 CL

Amex Blue - 4000 CL

Amex Hilton -600 CL

FHA Mortgage -5.75%

 

 

Here is where I am today:

 

BOA Visa - 15000 CL

Discover More - 14000 CL

Amex Blue Cash preferred - 9700 CL ( product change and CLI)

Citi Diamond Preferred - 6000 CL (product change and CLI)

Citi Home Depot Care - 6200 CL

Amex Hilton - 4000 CL

Amex Platinum - NPSL

Conventional Mortgage - 3.625%

 

Credit Score - 778 (today)

 

Thanks to this board I have saved significantly on my monthly payments, up my credit score by over 100 points, and added thousands to my limits. 

 

For all those rebuildling and working to achieve their goals; Keep at it.  6 months of hard work will pay off.

 

The advice on here this forum is priceless.  Beyond the advice the forum gave me the confidence, and the mode of attack to achieve my goals.

 

Now I enter the garden for 2 years to rid myself of the HPs.  The simulator shares once I loss the hard pulls I should hit the magical 8's.

 

Good luck to all, and I thank you for your guidance to get me to this point.

 

Thank you all. 

 

 

Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Thank you to this forum

Nice work!



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012
0

Re: Thank you to this forum


pdog661 wrote:

Hi,

 

I wanted to publicly thank this forum for all the advice and time people have spend sharing information.

 

Many here have helped me achieve great things with my credit in a very short time (6 months).

 

Due to advice on this board I was able to remove all negative items (2 30 days, and 1 60 day late) through GW process.

 

In addition to I have upgraded my Limits and card status.

 

Here is where I started 6 months ago.

 

Credit score 663:

BOA visa -8000 CL

Citi Professional 3600 CL

Amex Blue - 4000 CL

Amex Hilton -600 CL

FHA Mortgage -5.75%

 

 

Here is where I am today:

 

BOA Visa - 15000 CL

Amex Blue Cash preferred - 9700 CL ( product change and CLI)

Citi Diamond Preferred - 6000 CL (product change and CLI)

Citi Home Depot Care - 6200 CL

Amex Hilton - 4000 CL

Discover More - 14000 CL

Amex Platinum - NPSL

Conventional Mortgage - 3.625%

 

Credit Score - 778 (today)

 

Thanks to this board I have saved significantly on my monthly payments, up my credit score by over 100 points, and added thousands to my limits. 

 

For all those rebuildling and working to achieve their goals; Keep at it.  6 months of hard work will pay off.

 

The advice on here this forum is priceless.  Beyond the advice the forum gave me the confidence, and the mode of attack to achieve my goals.

 

Now I enter the garden for 2 years to rid myself of the HPs.  The simulator shares once I loss the hard pulls I should hit the magical 8's.

 

Good luck to all, and I thank you for your guidance to get me to this point.

 

Thank you all. 

 

 


+1

 

Good luck and share the wealth of knowledge while you garden

 

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: Thank you to this forum

I owe a lot to this forum and the wealth of knowledge here is just outstanding.

 




Frequent Contributor
pdog661
Posts: 378
Registered: ‎03-31-2012
0

Re: Thank you to this forum

What was amazing to me was how little I actually knew about credit and how it truly worked. 

 

My thoughts, and teachings prior to this forum was have little to no debt, and pay in full each month.  This was the way to high credit scores. 

 

There are so many aspects that need to be managed in order to achieve a high fico rating.  I attribute this forum to saving me countless amount of interest and fees in my lifetime. 

Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

Re: Thank you to this forum

Great Job on how far you have came! I am fairly new here....was a lurker for a while and I have learned alot of information and also gathered courage to apply for more cards to help with my road to recovery! I am thankful for this forum as well!!

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
0

Re: Thank you to this forum


CS800 wrote:

I owe a lot to this forum and the wealth of knowledge here is just outstanding.

 


+1


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000 KAWASAKI GOOD TIMES CARD $21,000
Contributor
Pworld
Posts: 114
Registered: ‎12-29-2008
0

Re: Thank you to this forum

I love detailed motivational posts like these!! makes me want to get my gloves and really get dirty in the garden. Right now im just sipping lemonade and looking at my garden. 

2/2011=EQ: 590
11/2012=EQ: 683 (after 4 card app spree and reporting)
10/2013=EQ: 708 (reached my goal!! for 2013) EX(amex): 668 TU(Disc):680
Goal = 725 by 6/2014
Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/15k | Chase Freedom/2.2K | Best Buy/800 | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/9K
Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012
0

Re: Thank you to this forum


Pworld wrote:

I love detailed motivational posts like these!! makes me want to get my gloves and really get dirty in the garden. Right now im just sipping lemonade and looking at my garden. 


Love it!

 

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Frequent Contributor
pdog661
Posts: 378
Registered: ‎03-31-2012
0

Re: Thank you to this forum

Thanks Ava,

 

Thanks to your help I was also able to get my DW lates removed from Ochard.

 

 

 

 


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