If my credit reports was the Death Star...

unusuallyconfused · ‎04-03-2013

...if my credit reports were the Death Star, my weapon would be almost fully operational.

At the beginning of March 2013, I posted this thread cursing CMI - the life sucking lowlife collection agency:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Credit-Management-LP-I-curse-you-and-will-hum...

Not only did I curse you CMI, I said I would humble you.

Today, this has occured...

Using both strange sorcery and complex Jedi mind tricks, I HAVE humbled you CMI - my Experian vantage score went up 52 points today, to 721. Why? Because I successfully got your Scarlett Letter C (collections) removed from my file. Guess you guys should have taken my inital PDF.

I hope you enjoyed the butt pounding that your client, Charter Communications, heaped upon you based upon your past behavior felt good.

Now I turn my lasers to your duplicate Scarlett Letter C on my TransUnion report.

I will humble you CMI there, too.

Once that is complete, my Death Star will be fully operational...

USAA Rewards VISA (7,500 - 03/2013) / DiscoverIT (6500 - 03/2013) / Cap One Platinum MC (2750 - 03/2013) / Credit One Platinum VISA (750 - 03/2013) / First Premier Bank MC (300 - 02/2013) / FingerHut/WEBBANK (5200.00 - 02/2013) / Victoria's Secret/Comenity (1500 - 03/2013) / PayPal Smart Connect/GECRB (2900 - 03/2013) / Lowe's/GECRB (2800 - 03/2013) / Amazon.com/GECRB (4500 - 03/2013) / Chevron Texaco/GECRB (1950 - 03/2013) / J.C. Penney/GECRB (2150 - 02/2013) / Target (750 - 07/2013) / Abercrombie & Fitch/Comenity (1850 - 07/2013) / CareCredit/GECRB (4500 - 08/2013) / DCU Visa (2000 - 11/2013) / NFCU Sig cashRewards Visa (7000 - 11/2013) - MilitaryStar/Chase (4700 /12/2013)

DaBears · ‎04-03-2013

LMFAO @ your terminology!!!!! I need a good laugh today!!!!

Credit Scoring 101
Guide to Common Abbreviations

Henchman21 · ‎04-03-2013

The force is strong with you.

2/16/13 Scores EX: 594, TU:513, EQ:563 -- Cap One Secured: $200, Kay's: $400

GOAL #1: 625 -- CHECK!

3/31/15 Scores TU: 621 -- Cap One Secured: $750, Kay's: $900, CareCredit: $1000, Aerie $350, Fingerhut $1350

Goal #2: A travel card. REC ME!

DiabolicallyRandom · ‎04-03-2013

Ha! Im not even sure how to respond to that, other than Ha!

Shogun · ‎04-03-2013

Uhm. Congrats?

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.

starry1 · ‎04-03-2013

What's a Death Star?

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)

armbenderc · ‎04-03-2013

Congrats my young padawan.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

txmomma26 · ‎04-03-2013

Congrats!

Now let us other Jedis in on the mind tricks

Start: (2-26): EQ 602 (Myfico) TU 579 (Credit Karma) EX 634 FAKO
Current: (7-12): EQ 690(myfico) WalmartTU 696 EX 689 (lender 6-3)
1st Goal: 680 across the board - DONE June 2013!
2nd Goal: 725 across the board

Henchman21 · ‎04-03-2013

Jedi mind tricks don't work on all bounty hunters!

2/16/13 Scores EX: 594, TU:513, EQ:563 -- Cap One Secured: $200, Kay's: $400

GOAL #1: 625 -- CHECK!

3/31/15 Scores TU: 621 -- Cap One Secured: $750, Kay's: $900, CareCredit: $1000, Aerie $350, Fingerhut $1350

Goal #2: A travel card. REC ME!

RTOrockstar · ‎04-03-2013

@Henchman21 wrote:
Jedi mind tricks don't work on all bounty hunters!

But do they work on AMEX?