11-29-2012 03:44 PM
It will be five years since I filed BK in January and I've finally reached the point where I'm content with my credit picture.
I don't have the best cards or the best limits but I've come a long way from where I started. I imagine better cards with better limits sometime in the near future but I'm currently content to wait and let time do its thing.
I put a security freeze on all three accounts tonight. My plan is to remain app free in 2013 and shoot for a mortgage in 2014. I am so thankful for a lot of things. A great job, wonderful friends, an improved credit portfolio and my friends on MyFICO.
I hope we all find what we are looking for as 2013 draws near. Thank you friends!
11-29-2012 06:10 PM
Congratulations on your accomplishments! I bet things looked pretty daunting 5 years ago. Now look at you! When the BK finally drops, you'll be golden.
11-30-2012 04:39 AM
Best wishes for continued success! And do remember the Reason for the SEASON, Merry Christmas and happy new year.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.