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Established Member
Posts: 13
Registered: ‎02-15-2013
0

Re: Hello My Name is.....

Hello My Name is Smarty0103

 

I have 5 charge offs, 6 collections, and 2 judgments

 

 

After years and years of being misinformed and irresponsible, I am currently in repair mode.

Established Member
Posts: 13
Registered: ‎02-15-2013
0

Re: Hello My Name is.....

Correction.... Make that 7 charge offs and 10 collections... :/
Frequent Contributor
Posts: 463
Registered: ‎11-28-2012
0

Re: Hello My Name is.....

[ Edited ]

My name is QAMngrGirl

 

One baddie left, a CO that's $0 Paid but HSBC is not cooperating with any GWs. Won't fall off until 2015 =/

Oh, and too many inquiries on EX & EQ, none on TU :smileyvery-happy:

 

Edited to add accomplishments since I have joined myfico:

Got the courage to call the ph# on the "app pending" screen for Discover & got it!

Learned and have been diligently used GW letters/emails

Set and met personal financial credit goals (small but important), and keep going forward

Realized it's OK to close a card that benefits me in no way at all

Not one denial since I joined, I have been able to research what requirements are needed, what cards benefit me, etc.

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Regular Contributor
Posts: 187
Registered: ‎04-28-2012
0

Re: Hello My Name is.....

"...Inigo Montoya. You killed my father. Prepare to die."

 

Sorry.  I couldn't resist :smileyhappy:

 

* 4 paid State Tax Liens from 2007, 2008, 2009, and 2010 -- Waiting for them to age off

* 1 HUGE unpaid repo -- However, I just got a 1099 that I filed with my taxes (goodbye refund!)

* 1 PITA collection from Portfolio --  sent PFD without any response from them

 

Since I've joined the forum -- I've successfully rehabbed my student loans, gotten a PFD from RJM, used HIPAA to remove a medical collection, and corrected 2 errors in reporting on my credit report.

 

Thank you for starting this thread.  I love the support this forum provides!

I used to post my scores here. However, I'm prone to motion sickness and the ups and downs were nauseating.
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Hello My Name is.....

My name is fused.

 

I had numerous lates, charge-offs and collections. My scores were horrible!

Today, I have three squeaky clean reports. I'm finished with repairing and rebuilding my credit, it was a long journey, especially the rebuilding. My FICO scores are 800+ with a credit history just two months shy of 25 years and an AoAA (average age of accounts) of 10 years.

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Hello My Name is.....


fused wrote:

My name is fused.

 

I had numerous lates, charge-offs and collections. My scores were horrible!

Today, I have three squeaky clean reports. I'm finished with repairing and rebuilding my credit, it was a long journey, especially the rebuilding. My FICO scores are 800+ with a credit history just two months shy of 25 years and an AoAA (average age of accounts) of 10 years.


What a reunion!  First Byrdman now fused.

Established Contributor
Posts: 853
Registered: ‎12-09-2012
0

Re: Hello My Name is.....

Hello! my name is KTL72455, I started out paying CA and then found this forum, boy have things changed for the better since then!!

 

I started with:

2 AU on DH  CCards, none of my own

1 Tax Lein ( paid in 2008)

2 CO ( cap 1)

3 Judgements

3 AU Charge offs showing

3 medical CA

1 utility CA

1 Verizon CA ( afni) paid off next month

1 Forclosure

 

I now have:

4 CC  400, 550, 300, 300 & 1 FH/300 Plan to keep all zero balance becuase of being AU on DH 2 CC. 

2 AU on DH

1Forclosure ( drops 2016)

1tax lien (drops 2014)

3 Judgements ( 2 will be removed after paid March 8th)

2 CO (drops 2015)

1 Verizon CA ( afni) paid off next month

 

I will keep GW the CO until they drop in 2015 :-)

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Moderator
Posts: 13,871
Registered: ‎04-15-2011
0

Re: Hello My Name is.....


guiness56 wrote:

fused wrote:

My name is fused.

 

I had numerous lates, charge-offs and collections. My scores were horrible!

Today, I have three squeaky clean reports. I'm finished with repairing and rebuilding my credit, it was a long journey, especially the rebuilding. My FICO scores are 800+ with a credit history just two months shy of 25 years and an AoAA (average age of accounts) of 10 years.


What a reunion!  First Byrdman now fused.


Don't forget scamp and whirledpeasplease just made an appearance!

 

Hiya fused!



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!
Frequent Contributor
Posts: 261
Registered: ‎01-19-2013
0

Re: Hello My Name is.....

This is good!!!! Keep it up! Bump:smileyvery-happy:

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
Regular Contributor
Posts: 225
Registered: ‎12-18-2012
0

Re: Hello My Name is.....

Mmmlive1999

 

 I have :

- 2 tax liens ( 1paid/1 unpaid),

-1Charge off,

-1 Reop,

-3 Collections

 

......and this is a huge improvement from before :smileywink:


Starting Score: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 751, EQ5.0 694/ EXv2 675
Goal Score: 700 reached 2/6/2015!!! New goal 800
Cap1 Venture-$4300, QS-$4750,Chase Freedom-$4500,Discover IT - $8100
Store Cards: Vic.Sec -$1650, Walmart-$3150 ,Gap $1600( 5/18/2015)
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