Valued Contributor
Posts: 1,402
Registered: ‎08-30-2012

A word of hope.....

As the holiday season approaches us, let's stop from time-to-time and remember why we are here. All of us are in this boat for one reason or another, whether it be for our own stupid actions, the actions of someone else or just life complications in general.


I started my journey on September 18th, 2012. My score dipped down to a 511 a few days later and since then, I have been on an upward trek where my score now sits at 593 (EQ) and 619 (TU). That's right, 82 point increase (EQ) in 2 months time. You're wondering how I did it, right?


I started by paying/settling my CO accounts. I only had 2 but they made my utilization appear to be 106%. I then DV'ed a couple of CA's and they were removed. I followed that up with paying quite a few CA's and GW'ing them to get them removed. After that was done, I opened my first CC in 5 years. It's a secured CC from Navy Federal. I am also an AU on my spouses Cap1 Platinum.


Right now, I have 2 CA's left and this time next month, I'll be retreating into a room here at work, armed with my debit card and the mindset that I'll offer a PFD for these. I've sent the first batch of GW's out to Cap1, HSBC and First Premier in hopes that see pitty on me. It'll be an end to my credit troubles, forever. It'll be nice to say "I don't have an CA's reporting anymore..../fistpump!!!!"


In closing, I know first hand how frustrating this gets (I've got the emails from PRA to prove it). It appears sometimes that you work, work, work and nothing comes from it and when you are at your lowest, you get a surprise from with a score alert. This has happened to me several times over the last couple of months. Keep your head up and never give up the good fight. Things do get better.


Enjoy your time with your families this week.




Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $1.5k; NFCU Cash Rewards $22K; AMEX BCE $6k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 2,783
Registered: ‎10-10-2012

Re: A word of hope.....

Wow.. nice work. Keep it up, congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Member
Posts: 14
Registered: ‎11-13-2012

Re: A word of hope.....

Congrats! Reading your journey is truly inspiring.

Valued Member
Posts: 36
Registered: ‎11-05-2012

Re: A word of hope.....

Husker is speechless

Starting Score: 467 EQ
Current Score: 467 EQ
Goal Score: 720+

CollectionKing's Rebuild Thread

Valued Contributor
Posts: 1,117
Registered: ‎10-31-2011

Re: A word of hope.....

CollectionKing wrote:

Husker is speechless

Bahaha!!! In all seriousness your journey is pretty amazing for 2 months of work....


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+