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Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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2012 Results and 2013 Goals

[ Edited ]

Hey all, I don't have a journal like some, so posting my results and intentions for next year.  Suggestions welcome and encouraged.

 

2012 Results

 

Score to start: EQ 525 (May, 2012)

Current scores: EQ 645, TU98 651, TU08 ???, EX CS 663

(Awaiting WalMart update for the TU 08, EX as usual is a crapshoot, 680+ on EIDT and Quizzle FWIW)

 

Removed:

 

Collection Account – CMI Group

  • Goodwilled relentlessly for six months by mail and email.  Had inaccurate information listed, although minor in nature, deleted after online dispute.

Collection Account – Local Collection Agency

  • Medical collection that was approved for PFD

Collection Account – Local Collection Agency

  • Same CA as above, but paid prior to the PFD.  I included the deletion of this account as a condition of the above PFD.

90 and 60 Day Late – Bank of America CC

  • Account closed by grantor nearly 3 years ago after going 90 days late.  Continued payments until paid off – never charged off.  Filed goodwill request with CEO email to have 60 and 90 day late removed, denied, but was deleted anyway.

Added/Improved:

  • UTIL down from 75%+ to 1%
  • WalMart Store card at $600 limit
  • Authorized User on Firestone Card 8 years old, $0/$1600

Remaining:

  • 90 and 60 Day Late – Bank of America CC (3 Years old)
  • Charge off – Verizon (6 Years old)
  • 30 Day Lates – Nine from various cards, 2 less than 1 year, additional 2 less than 2 years

Current Cards:

  • BOA Platinum Plus - $0/$600
  • Capital One Platinum - $0/$750
  • Walmart Store - $0/$600
  • Firestone Store - $0/$1600

Current Installment:

  • Sallie Mae 1 - $11,000
  • Sallie Mae 2 - $11,000
  • TD Bank Personal Loan - $3,500

2013 Goals

 

Auto Loan

  • The first reason I actually joined the forums; I need a new car.  I have for awhile, I'm in sales and travel a decent amount.  I plan on paying off my TD unsecured loan with my taxes, and around the same time buying a car.  I have about $5500 worth of trade value, and will be in the market for a used car around $20k.  Payments should be in the $300 range.  Want: BMW 135i.

700 Club

  • I think this is doable.  If I can get my charge off from Verizon removed, it may not make a huge difference, but it will make me free from major derogs, which as I understand it, should move me to that bucket.  Might not be until December, but who knows. EQ may lag behind into next year, but if I can get 2 out of 3 I will call it mission accomplished.

Member Since 13

  • Yeah, I want an AMEX.  Some is function, some is form.  Either way I don't care.  I think BCE looks like a good card, but I'd also like to add a Green for those charge situations, especially business travel, where I get reimbursed.

 

Lastly, I'd like to take the opportunity to thank everyone who has helped with their advice and encouragement.  Hopefully I can keep using it and dish out more to give back.  Thanks to the mods as well, who keep the place running like it does.  Hopefully soon I'll be done rebuilding myself and can resign to helping others, and fretting over my credit cards and some day even a mortgage.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
Posts: 573
Registered: ‎02-12-2011
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Re: 2012 Results and 2013 Goals

JUTZZZZZZZZZZZZZZZZZZZZZZZZZ! I've always enjoyed reading your posts and updates on your situation. You've come a hell of a long way and I don't see any reason as to why you can't accomplish everything you listed. Congrats on your progress and on making reachable goals!



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


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New Contributor
Posts: 60
Registered: ‎08-04-2011
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Re: 2012 Results and 2013 Goals

Fabulous job! Keep on it and you'll get there.


Starting Score: 608 EQ (FICO) 8/11/11
Current Score: 713 EQ (FICO) 2/14/13
Goal Score: 750


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Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: 2012 Results and 2013 Goals

Great progress! Keep it up next year! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: 2012 Results and 2013 Goals

 



That's fantastic progress. Keep it up.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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My Journey
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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Re: 2012 Results and 2013 Goals

Thanks all.  Walmart finally updated, and of course it was from Dec 3, so it's completely irrelevant.  The odd part is it went down 2 points somehow.  Oh well.  I'm pretty positive I'll be safely over 650 on any TU model once the final CA drops (today maybe?)

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: 2012 Results and 2013 Goals

Stupid Transunion!!  Still hasn't deleted the last CA.  They've requested it be deleted twice now.  Impatient as usual.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: 2012 Results and 2013 Goals

Good News:  I'm in the 700 club!

Bad News:  It's just my Vantage score...lol

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: 2012 Results and 2013 Goals


Jutz wrote:

Good News:  I'm in the 700 club!

Bad News:  It's just my Vantage score...lol


Hey.. sometimes being in the 'bad' bucket helps you get to 700 faster... I have 3 negatives still shows.. a paid tax lien, a paid judgement, and a paid collection.. all over 4 years old.. no lates showing, and good util..

 

I am over 700 and all FICOs... its doable

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: 2012 Results and 2013 Goals

Better to be the best of the worst I suppose.  And I agree.  Right now my recent minor derogs are probably holding my score back much further than the charge off from 6 years ago.  2 30 days < 1 year, 2 30 days < 2 years.

 

I just wish I could see my true EX, since it is major derog free.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
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