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I've been grinding away and progress has really slowed. Help me with some fresh excitement. Anything actionable I can do will get me excited... but I'm afraid now it's just a sit and wait game. Let me know if you have any feedback on my profile. Open to all ideas! I'm afraid I'm getting bored of this and am going to lose momentum...
12/23/14
EQ-536
TU-548
EX-554
9 months ago, I ran my credit and was mortified. I knew it was bad and I would get denied, so I frankly used cash most of the time. I had such a mess. I paid collections and started opening new accounts and PIF'd everything. Unfortunately I didn't know about PFD and now I have some paid collections on my account I'm pushing through... I also didn't understand "inquiries" and have a ton of them. Gross. Stupid stupid stupid.
Current Lines:
Unsecured Majors: - all opened in 2015
CP1 QS $500 / $1K, will pay off before it reports
Chase Freedom $0 / $500
Citi Best Buy $0 / $500
Secured:
US Bank H-D $0 / $300 - opened in 2012
CP1 Plat $0 / $500 ($200 secured, $300 unsecured CLI) - opened in 2015
Unsecured Store Cards: - Opened in 2015
Gap $60 / $300, need to make returns today that will void this $60 balance out
Kohl's $0 / $300
Macy's $0 / $300
JCrew $0 / $250
VS $0 / $250
Loans:
Ally Auto $13K @13.81% - Opened in 2014
Student $500 @5%, paying $40/month to keep open, but could PIF at anytime - opened in 2003
Savings
$1,300.00
Income fluctuates... no less than $70K gross, but should push to $100K by next year, if not very close this year.
I'm running nearly all of my transactions through credit cards and then paying via my checking account as soon as charges post. Most transactions go through CP1 Quicksilver 1.5% Rewards or Chase Freedom 5%, depending on category.
9/30/15
EQ-652
TU-656
Goals
Keep up the calls and GW letters!
DO NOT Close any new accounts - it won't change the Avg Age anyway - they average in for 10 years after closing (so I've been told) so that won't help. Just keep paying them on time and age up! At least it helps your mix of accounts and payment history.
Wish I had better advice - I'm kinda in the same boat - so I understand the frustration - I'm waiting for my 2 newest accounts to hit my scores - and then I'll tackle the last baddie - I just want to see what the score jump finally is!
Thanks! That really does help. Sometimes it just feels good to hear others say KEEP IT UP! I'm in the same boat! I hear ya sister! Gonna keep on harassing these collectors to try to get those deletes. I think that will really help. I'm going to go buy an ice cream cake the day I hit 700.
Great that you have made good progress, keep going!
I agree with the previous poster, dont close good accounts unless they are predatory.
A good account does nothing but continue to add to your AAoA.
If you were to close it, no change to AAoA, it will continue to be factored for 10 years. So it wouldnt change anything in that respect.
You would lose the CL from that account so your UTI might suffer.
If you need amusement - here's what I do -
Browse thru the pre-qual sites and check them, after making sure every time that it is not an app and that it will 'not harm your credit', meaning a SP only. If you get a new pre-qual offer, make a note of it, not an app.
Check all of my accounts frequently, look for bad things, and also look for good things, like an auto gift CLI. (hey, it could happen!)
Look for a SCT store that you will NEVER accept under any circumstances and practice. DO NOT EVER ACCEPT, you are just practicing.
Look for something to read on another site about credit recovery that you dont know about already.
HTH
I do everything Asbinjax does.
I even go to Discover PreQual, which is garbage, just to see the Congrats. It satisfies me.
I'm right there with ya, cleaning up.
EQ: 1 Collection PRA, PIF, 2 Collections Credit C_trol Co_p PIF, 1 Charge Off, 2 Late payments installment. All 2014, now all over 1 yr old.
TU: 1 Collection PRA, PIF, 1 Collection Credit C C_trol Co_p PIF, 1 Charge Off, 2 Late payments installment.
EX: 1 Collection PRA PIF, 2 Collections Credit C C_trol Co_p PIF, 1 Charge Ooff, 2 Late payments installment.
July - Sept 2015
Quicksilver MC, Playstation Visa, GoRewards, Classic Amex, Vickies Secret, Overstock
Just...waiting...goodwilling...getting EQ and EX to remove the CCC that TU did.
Rock on Sister.