Credit Cards

[pdog661]

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. 

[Duncanrr]

Nice work!

[AvaMommy]

---

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

[CS800]

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

[pdog661]

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. 

[snowkitty]

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!!

[ninjamike81]

---

CS800 wrote:

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

---

+1

[Pworld]

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. 

[AvaMommy]

---

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!

[pdog661]

Thanks Ava,

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