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Confession Good for the Soul?

Frequent Contributor

Confession Good for the Soul?

well here goes.

TU 500 EX 493 EQ 495

People with weak constitutions should not continue...

BEWARE!!!!!!! He Whom Enters Shall Know FEAR!!!!

I Tried to Warn you......

Revolving Accounts
1-New-CC-TU
2-2yr-CC-TU,EQ,EX
3-6yr-CC-TU,EQ,EX
4-6yr-CC-TU,EQ,EX

Installment Accounts
1-1yr_Charge Off-TU,EQ,EX
2-16yrs_Child Support-TU,EQ,EX - My only Good standing account
3-3yr-Collection-EQ
4-1yr-Collection-EQ
5-2yr-Medical-EQ - PFD pending
6-6yr-Collection-EQ - CA for Revolving 3
7-6yr-Collection-EQ - CA for Revolving 4

Collections Accounts
01-1yr-Collection-TU - same as Install #4 just listed here.
02-6yr-collection-TU,EX
03-2yr-collection-TU,EX,EQ - PFD, Utility
04-2yr-collection-TU,EX,EQ
05-2yr-collection-TU,EX - Same as Install #5 - just listed here
06-3yr-collection-EX - same as install #3 - just listed here
07-3yr-collection-TU,EX
08-3yr-collection-TU,EX,EQ
09-3yr-collection-TU,EX
10-4yr-collection-TU,EX,EQ - Utility
11-3yr-collection-TU,EX
12-6yr-collection-TU,EX - same as install #6 - just listed here
13-6yr-collection-TU,EX - same as install #5 - just listed here
14-4yr-collection-EX
15-4yr-collection-TU,EX,EQ
16-6yr-collection-TU,EQ

well, not sure confession is good for the soul or not, hope folks here will still speak to and help me with questions.

Not really sure how it got this screwed up except neglect and not caring. Now I am hittin'40 and would like to own a decent car, and maybe buy a house someday.

So the sojourn begins............

700's here I come............before I am 80 i hope.

Also, do not have lots of available cash to spend PFDing, or paying out these accounts, but I will be doing it as I can. I will just have to hope a few secured CC's and a little luck will slowly improve my scores.

Message Edited by jaguls66 on 06-27-2007 12:00 PM

Message Edited by jaguls66 on 06-27-2007 12:03 PM
Message 1 of 65
64 REPLIES
Frequent Contributor

Re: Confession Good for the Soul?

I would like to say that in my short time in this forum, I have learned many tricks to helping my score.  A month ago I would have said you would be better off filing bankrupcy, which could put you in a position 3 years from now of having a score above 600. But I dont know what will help you besides what you suggested at the end of your post.  I want to watch and see what the pros (super-contributors) say.  Good Luck
Message 2 of 65
Frequent Contributor

Re: Confession Good for the Soul?

darn it, I tried to type that neat and it got all crammed together.
Message 3 of 65
Super Contributor

Re: Confession Good for the Soul?



jaguls66 wrote:
darn it, I tried to type that neat and it got all crammed together.


You can edit it  Smiley Happy
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 4 of 65
Established Contributor

Re: Confession Good for the Soul?



MidnightVoice wrote:


jaguls66 wrote:
darn it, I tried to type that neat and it got all crammed together.


You can edit it  Smiley Happy


Yes, yes, you can edit it, listen to Midnight.  Cause I'm not going to lie to you, my eyes crossed over trying to read it.
Message 5 of 65
Frequent Contributor

Re: Confession Good for the Soul?

editing let it do the same thing.
Message 6 of 65
Super Contributor

Re: Confession Good for the Soul?

If you go to "options", top right of the post, you can go to "edit" and then add a few carriage returns  Smiley Happy


Message Edited by MidnightVoice on 06-27-2007 02:02 PM
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 7 of 65
Regular Contributor

Re: Confession Good for the Soul?



monro411 wrote:
I would like to say that in my short time in this forum, I have learned many tricks to helping my score.  A month ago I would have said you would be better off filing bankrupcy, which could put you in a position 3 years from now of having a score above 600. But I dont know what will help you besides what you suggested at the end of your post.  I want to watch and see what the pros (super-contributors) say.  Good Luck



BK is a hard decision...i filed in Oct 05 and have raised my scores my the 400's to a high of 653 and a middle fico of 642. If i could do it all over again,..i'd probably try and pay everything off and not file for BK. I can't change what i did, but i can change what I do from now on. I went from knowing nothing about credit, to knowing some, which is better than none. Now I know, and knowing is half the battle. Smiley Very Happy
 
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Message 8 of 65
Frequent Contributor

Re: Confession Good for the Soul?

AH HA, Got it on the 3rd try
Message 9 of 65
Established Contributor

Re: Confession Good for the Soul?

Whooo!!  Much Much better!
Message 10 of 65