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i finally did it!

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scottwagnon
Valued Contributor

i finally did it!

it is official!!! for the first time since 1997 i am free of baddies Smiley Happy

 

my remaining baddie, had been lingering for quite sometime, but now it is finally cleared from my credit report!

 

so now i can say it for the first time, my credit report IS crystal clear across all three reports.

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Message 1 of 12
11 REPLIES 11
coldnmn
Mega Contributor

Re: i finally did it!

Smiley Happy Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 12
Anonymous
Not applicable

Re: i finally did it!

Congrats!

Message 3 of 12
EW800
Valued Contributor

Re: i finally did it!

Congratulations!!   That is great news!!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 4 of 12
dman23
Frequent Contributor

Re: i finally did it!

Congrats! That's my goal too. 2 baddies left. Another year and half will be 7 years so hopefully they'll drop off sooner.

myFico Score Experian: Start (4/21/14) 626 Current (5/7/16) 841
myFico Score Equifax: Start (4/30/14) 694 Current (5/6/16) 838
myFico Score Transunion Start (5/01/2014) 727 Current (5/7/16) 842
Discover (4/24/14) 659 (5/5/16) 842
Message 5 of 12
FinStar
Moderator Emeritus

Re: i finally did it!

That's awesome!  Nicely done and a great feeling to have a clean slate!

Message 6 of 12
scottwagnon
Valued Contributor

Re: i finally did it!

All this time on the forums, and yet I could never quite say all of my credit files were crystal clear. After much work, my equifax was crystal clear in sept 2010, and my Transunion didn't clear up completely until mid 2011. Now finally my only remaining negative from experian is gone. Now today and hopefully indefinitely, my credit reports will remain positive.
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Message 7 of 12
uswala
Senior Contributor

Re: i finally did it!


@scottwagnon wrote:

it is official!!! for the first time since 1997 i am free of baddies Smiley Happy

 

my remaining baddie, had been lingering for quite sometime, but now it is finally cleared from my credit report!

 

so now i can say it for the first time, my credit report IS crystal clear across all three reports.


Congrats!

Message 8 of 12
alvon123
Super Contributor

Re: i finally did it!

congrats


Message 9 of 12
Anonymous
Not applicable

Re: i finally did it!


@scottwagnon wrote:
All this time on the forums, and yet I could never quite say all of my credit files were crystal clear. After much work, my equifax was crystal clear in sept 2010, and my Transunion didn't clear up completely until mid 2011. Now finally my only remaining negative from experian is gone. Now today and hopefully indefinitely, my credit reports will remain positive.

Great feeling! Your scores are impressive. Your hard work and persistence has paid off well. Smiley Happy

Message 10 of 12
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