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Alrightttttt - DGF is about to come onboard

tag
Repo-ed
Senior Contributor

Re: Alrightttttt - DGF is about to come onboard


@RobertEG wrote:

I hope you had some candles glowing, adding to that romantic moment!


HeartSmiley Very Happy

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 11 of 15
Repo-ed
Senior Contributor

Re: Alrightttttt - DGF is about to come onboard

She's calling tomorrow to cancel two CMS and signed up for USAA's CMS this afternoon.

 

She also made an account for here, but I can almost guarantee she will post, but I know she'll be reading post tonight before she goes to bed.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 12 of 15
Repo-ed
Senior Contributor

Re: Alrightttttt - DGF is about to come onboard

She has already seen some fruits of her labor.  She made a phone call to santander and they agreed to remove the 30 day that was on her auto-loan. More to go, but it's a start.  It was just the right amount of motiviation/instant gratification to keep her going.

 

She also joined my CU today and was approved for a 6% personal loan, to pay-off revolving debt of $6800 over the next 24 (more like 12 w/ double pmts) months.

 

She has agreed to close (to remove temptation) all but 3 of her CCs; Amex x2 (charge/revolver) and JCP.

 

She was approved for Zync w/ NPSL and she is going to use that for everyday purchases (and like me, will not use her debit card)

 

Very excited for her rebuilding.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 13 of 15
Repo-ed
Senior Contributor

Re: Alrightttttt - DGF is about to come onboard

She received a letter back from Victoria Secret, and they gave the "Reports are reporting accurately...blah blah blah"

 

She received a letter back from Chase on a 6 year old account.  Just like amex did with my request to just remove the derog comment, and instead they removed the entire TL, chase is going to do the same -- so I'm actually looking for this to impact her negatively, rather than positively (meaning, she is getting more of a boost via AAoA, than being hit negatively with 30 day lates)

 

We'll see.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 14 of 15
Repo-ed
Senior Contributor

Re: Alrightttttt - DGF is about to come onboard

She got a letter from JCP yesterday; they auto CLI'd her Store CC to $3200 - Nice!  She is at 0% util now, but it certainly won't hurt her. 

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 15 of 15
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