So since my last post and a FICO of 560ish I am now at 674!!!! I know I know... Nothing to brag about but a big leap for me In such a short time (4/5 months)
I was stuck in a horrible auto loan with a 14% interest rate, I had no revolving credit and couldn't get any, and had some serious student loan delinq's (7 total- all either default or 120+ past due). This was all brought on by a death in the family and a poor paying job about 4 years ago.
As of today
All student loans rehabbed and consolidated- all showing pays as agreed with payment history from original start date
6 revolving accounts-
J.crew/comenity - 500$
Express/comenity - 500$
The buckle/comenity- 300$
Capital one classic platinum- 300$
Élan financial secured- 300$
And.... The best part
CHASE FREEDOM cash rewards! - 1000$!
I currently hold an auto loan through ally with 9.9% financing, nothing special but a huge drop from the past loan.
I still have 2 paid CO CC Accts with GEMB Old navy, and paypal- they will not budge for anything and I fear they are stuck permanently.... Well for 5 more years. I have 12 HP's but about half are 1.3 years old. The others are from 2/3 months ago and today.
I'm really hoping that by this time next year I'll be sitting nice with AT LEAST a 700 fico and some nice credit limits on my revolving Accts.
Definitely want to say thank you to every member here who helps out and if there is anything I can answer or help with just ask away.
Starting Score: EQ 575 CK 571 CS 630 (12/2012)
