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@RobertEG wrote:I hope you had some candles glowing, adding to that romantic moment!
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.
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.
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.
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.