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Hello My Name is.....

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Frequent Contributor

Hello My Name is.....

I wanted to start a thread where you could come in and acknowledge your credit issues. I hope this lets you feel better and not terrible about the mistakes you've made in the past and are currently rectifying by coming on this board and learning the right thing to do.

I'll go 1st....
Hello My name is PrettyGyrl and I have 2 Judgments, 5 Collections (4 are Medical)  & 1 Repo  not to mention Undirect & Direct Student Loans which havedefaulted  fallen off my CR but they take my IRS Refund!


ETASmiley Frustratedtudent Loan Mess! 

Whew!!!! I feel better!

Now it's your turn!

Started from the bottom, now I'm here: 4/20/15: EX-674 TU 704 EQ-677
TU-Clean...EQ & EX-1 Paid Collections & 1 Judgement
T minus 4 months until Operation EE!!
Goal: 750 Across the board! AMEX Approved! Living in the Garden
27 REPLIES
Valued Contributor

Re: Hello My Name is.....


PrettyGyrl wrote:

I wanted to start a thread where you could come in and acknowledge your credit issues. I hope this lets you feel better and not terrible about the mistakes you've made in the past and are currently rectifying by coming on this board and learning the right thing to do.

I'll go 1st....
Hello My name is PrettyGyrl and I have 2 Judgments, 5 Collections & 1 Repo

Whew!!!! I feel better!

Now it's your turn!


My name is Scott. I had 2 judgments, a tax lien, 3 charge offs, 18 collection accounts, and repo and no positive accounts in Nov 2010.

I now have 10 positive trade lines, a new car, a house and.... ONE baddie left Smiley Wink

 

-scott 

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
New Contributor

Re: Hello My Name is.....

Hello my name is Annjilique I have 2 charge offs 7-12 collections and no positive trade lines. And I need a new car 

Starting score: 346 ?? eq (lender pull)
Current score: 598 eq
Goal score: 650
New Contributor

Re: Hello My Name is.....

My name is Remethy and I have

-currently 60 days late on mortgage but going to bring it current within the next month

-one 90day late on mortgage in 11/2012

-one 30day late from car loan 11/2012

-4 student loan 120 day lates from 2010

-2 student loan 120 day lates from 2008

-one collection which hopefully will be deleted soon thanks to PFD

 

9 negative TLs and 22 positive ones.

 

Oh, and 96% credit utilization.  Working on paying that off/down.


Starting Score: EQ 539
Current Score: EQ 648, TU 617, EXP 623
Goal Score: 700 by 2/2014


Take the myFICO Fitness Challenge
Regular Contributor

Re: Hello My Name is.....

hello my name is Brandon.

 

5 Charge offs

1 Collection

 

All except 1 charge off will be paid by march 1st.

Disputing the 1 collection

 

Just recieved my first Secured CC

 

 

USAA Mastercard-$2000 USAA Visa-$2000 USAA SC-$600 NFCU-$12500 Walmart-$3500 BestBuy $1000 Navcheck 3000



Regular Contributor

Re: Hello My Name is.....

Hello, my name is Lisa...

I have:

2 collections (1 removed), 1 from 9 months ago & one for $2079
a foreclosure
a bk13

a billion inquiries

and my only revolving credit is a Victorias Secret card I haven't even gotten yet & a store card for Samuels Diamonds


Starting Score: EQ 633 TU ? EX 623 (lender)
Current Score: EQ 702 TU 720 EX 682
Goal Score: 720

Nordstrom Credit Card $4000CL, Target Credit Card $2000CL, CapitalOne Platinum $1500CL, Comenity Diamond Elite $1700CL, Victorias Secret $650CL
Moderator Emeritus

Re: Hello My Name is.....

Hello my name is Shogun.

 

I had zero revolving accounts.

More collections/ lates/ etc. that I can remember how many.

 

 

Then I found myFICO.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Valued Contributor

Re: Hello My Name is.....


Shogun wrote:

Hello my name is Shogun.

 

I had zero revolving accounts.

More collections/ lates/ etc. that I can remember how many.

 

 

Then I found myFICO.  Smiley Happy


I think your parents were awesome for naming you Shogun Smiley Wink

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Moderator Emeritus

Re: Hello My Name is.....

It's a popular name.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Senior Contributor

Re: Hello My Name is.....

@ PrettyGyrl

Nice idea to start this topic  Smiley Happy

 

And now to all please do not hate me for joining you here.. My name is Liliane and I am a non US resident which had no idea how the credit and score system worked until I came across this board in November 2012. Also unaware how important this score figure is! This board  is so informative and really amazing what I learnt here in this short period already.......yes I do not really belong here with my clean reports. But living outside the US for nearly 26 years I completely neglected my reports and never even bothered to check.  Well this has changed now and I realized how important accurate information on the credit report is. Wish you all the success to reach your goal. 

 

greetings from Europe

 

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....Last HP 01 NOV 2016...............