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What's your magic year?

Valued Contributor

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

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

20 REPLIES
Senior Contributor

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...

Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Community Leader
Epic Contributor

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

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.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Moderator Emeritus

Re: What's your magic year?

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

Valued Contributor

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!

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Super Contributor

Re: What's your magic year?

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

10/17/2017 FICO: EQ 829 TU 830 EX 826
Valued Contributor

Re: What's your magic year?

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, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Senior Contributor

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. Smiley Happy


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Valued Contributor

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. Smiley Happy



yes, that is definitely something to be excited for.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |