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Valued Contributor
j_casteel
Posts: 1,699
Registered: ‎06-21-2012

What's your magic year?

I was going through my credit report, and it looks like my "magic year" for when most if not all my derogs/CO's, etc will all go away is 2015. Which works out perfectly because that is also the year I hope to have all my student loans paid off, and when we start looking into buying another house/land. (Which will be the only debt we have!!)

 

So what's your magic year, and what will you do to celebrate it? If your year has already passed, then when was it, and how have you celebrated?

 

-John

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:686 EX:706 TU:698
Goal Score: 700
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Valued Contributor
tcbofade
Posts: 2,035
Registered: ‎09-26-2011

Re: What's your magic year?

My magic year is/was 2012.

 

My last negative item fell off of my reports earlier this year.

 

Frankly, I'm trying NOT to celebrate it too much...I already have too many inquiries, and too high of a utilization...


Current Scores: EX 676 (FCR) TU08: 648 Wally (TU08). 07/01/14 Last app 05/29/2014.
Gardening until 01 November 2014.
(Thou shalt not app, thou shalt not app, thou shalt not app...)
Zero percent financing is where the devil lives...
Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007

Re: What's your magic year?

Will the debt be satisfied on the accounts when the derogs are excluded from your CR?

CR exclusion of derogs reported on a debt does not exclude the continued presence of unpaid debt.......

Valued Contributor
j_casteel
Posts: 1,699
Registered: ‎06-21-2012

Re: What's your magic year?


RobertEG wrote:

Will the debt be satisfied on the accounts when the derogs are excluded from your CR?

CR exclusion of derogs reported on a debt does not exclude the continued presence of unpaid debt.......


All CO's and derogs have been paid in full or settled.

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:686 EX:706 TU:698
Goal Score: 700
across the board
Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

Re: What's your magic year?

Mine was 2003 when my BK finally died of old age. It was my last negative.

Valued Contributor
j_casteel
Posts: 1,699
Registered: ‎06-21-2012

Re: What's your magic year?


MarineVietVet wrote:

Mine was 2003 when my BK finally died of old age. It was my last negative.


thats awesome!

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:686 EX:706 TU:698
Goal Score: 700
across the board
Super Contributor
marty56
Posts: 5,679
Registered: ‎10-06-2007

Re: What's your magic year?

2012.  After almost 7 years of a major derog from BofA.

09/12/2013 FICO: EQ: 772 EX:813 TU:752
Established Contributor
emptypockets
Posts: 958
Registered: ‎02-03-2009

Re: What's your magic year?

[ Edited ]

Mine was 6/2012, when my BK finally fell off all reports. All other derogs/IIB had fallen off by 2006-7. I pulled my new reports, then did a app-spree (cards I was denied due to BK  to celebrate)! As a result, I  will be in the Garden indefinitely! LOL


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (7/8/2014): 814; EX (6/14): 775
Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: What's your magic year?

About a week. Last derog will fall off TU and all three will be clean.

 

Not applying for anything but it'll be nice to see the last one go. :smileyhappy:


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


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Valued Contributor
j_casteel
Posts: 1,699
Registered: ‎06-21-2012

Re: What's your magic year?


drkaje wrote:

About a week. Last derog will fall off TU and all three will be clean.

 

Not applying for anything but it'll be nice to see the last one go. :smileyhappy:



yes, that is definitely something to be excited for.

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:686 EX:706 TU:698
Goal Score: 700
across the board

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