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Established Contributor

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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!


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
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Frequent Contributor

Re: Content

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. Smiley Very Happy



09/30/2017 - EX 811 (Credit Scorecard EX FICO® Score 8, range 300-850)
11/20/2017 - TU 842 (Discover TU FICO® Score 8, range 300-850)
10/24/2017 - EQ 845 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
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Valued Contributor

Re: Content

aussiesareforever -  thank you for sharing your great news and future plans!   Congratulations!

Message 3 of 4
Established Contributor

Re: Content

Best wishes for continued success! And do remember the Reason for the SEASON, Merry Christmas and happy new year.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
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