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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
Collection Account – Local Collection Agency
Collection Account – Local Collection Agency
90 and 60 Day Late – Bank of America CC
Added/Improved:
Remaining:
Current Cards:
Current Installment:
2013 Goals
Auto Loan
700 Club
Member Since 13
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.
| 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 |
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!
Fabulous job! Keep on it and you'll get there.
That's fantastic progress. Keep it up.
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?)
| 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 |
Stupid Transunion!! Still hasn't deleted the last CA. They've requested it be deleted twice now. Impatient as usual.
| 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 |
Good News: I'm in the 700 club!
Bad News: It's just my Vantage score...lol
| 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 |
@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
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.
| 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 |