10-04-2012 06:02 AM
This morning marks a huge milestone for me! The last negative item on my EX report finally fell off last night!! I woke up this morning to a BEAUTIFUL CLEAN EX report!!! Now, just waiting for it to fall off the other two. It was a paid CA from Assett Acceptance. Do not know if it bumped my FICO or not - but my USAA FAKO did not change. In any case, I was just excited that for the first time in over 10 years, I can finally say that I have a clean report again!!! And am going to do everything in my power to make sure it stays that way!! Thanks to all the help that I got reading this forum! You guys know what your talking about!!!
10-04-2012 06:12 AM
Woo Hoo and Congrats! I am in the same boat as you. Waiting for that last baddie to fall off at the end of the year. For years I avoided looking at my CR because it just depressed me. These days, I'm a tad bit addicted to looking at it. Can't wait to be like you with the beautiful clean report!
10-04-2012 06:26 AM
10-04-2012 06:46 AM
@irishpassion9702 - I know what you mean. I used to get depressed when I would look at my reports too and think that there was no hope - what was the point? But then, something changed for me mentally and I took it as a challenge. To see if I could do it. And your right - it does get addictive. I am on these forums everyday reading. And when you finally get that last item to drop? I literally jumped out of my chair and did a little happy dance. (and let me tell you - it wasn't pretty! ha) So be sure and post when your final one drops at the end of the year! That will definitely be cause for a happy new year!
10-04-2012 07:02 AM
congrats. im also waiting for 1 baddie to fall off next year in nov.
10-04-2012 09:06 AM
A squeaky clean report, now that's reason for a happy dance!
10-04-2012 09:09 AM
Is there different moves to this happy dance than to mine???? You better bust out some new moves!
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