Reply
Valued Contributor
Posts: 1,541
Registered: ‎08-30-2012
0

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 myFico.com 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 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: A word of hope.....

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

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Member
Posts: 14
Registered: ‎11-13-2012
0

Re: A word of hope.....

Congrats! Reading your journey is truly inspiring.

Valued Member
Posts: 36
Registered: ‎11-05-2012
0

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: 1,115
Registered: ‎10-31-2011
0

Re: A word of hope.....


CollectionKing wrote:

Husker is speechless


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

ccpics2.jpg
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.