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Regular Contributor
Posts: 187
Registered: ‎04-28-2012
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It's my "myfico" birthday!

It has been exactly one year since I joined this wonderful community!  Since then, I have spent 150,898 minutes on the forum -- this translates to almost 2,515 hours.  I have read 129,326 messages, started 16 topics, and made 134 replies.

 

While I no doubt have gleaned more knowledge than I have provided, the things I have learned since joining have been priceless.  I have successfully rehabbed my student loans, received my first credit card that I have had in years, learned about the value of the Walmart card, gotten a few other store cards, negotiated PFDs, sent countless GWs, found and corrected an incorrectly reported tax lien, and set a firm foundation for building knowledge in regard to my credit.

 

A year ago, I joined with the goal of financing a home for my family.  At the risk of jinxing the whole thing, I am proud to say that we are currently under contract on our dream home with the hopes of closing by the end of May.

 

A huge THANK YOU to everyone who contributes so positively to not only my success, but to the success of everyone on the forum!!!

I used to post my scores here. However, I'm prone to motion sickness and the ups and downs were nauseating.
Epic Contributor
Posts: 22,398
Registered: ‎01-17-2008
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Re: It's my "myfico" birthday!

Established Contributor
Posts: 677
Registered: ‎03-21-2013
0

Re: It's my "myfico" birthday!

It is quite the journey and learning experience.

 

Congratulations on the new home.  You are living the dream I have in 6-9 months.Woman Embarassed

 


Starting Score: 570 ish
Current Score:EX (701) EQ (711) TU (705)
Goal Score: 750
In My Wallet: GE Care Credit (8K) BestBuy (6K) BofA Cash Rewards Signature Visa (7K) Cap One Quicksilver (10.5K) Chase Freedom (4K) Lowes (6K) VS Angel Card (2.4K), Macys (4K)
Valued Contributor
Posts: 1,250
Registered: ‎02-03-2013
0

Re: It's my "myfico" birthday!

Happy Birthday, Cograts and Good LuckSmiley Happy


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: It's my "myfico" birthday!

Happy MyFico birthday and best wishes

 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
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Valued Contributor
Posts: 2,669
Registered: ‎04-25-2011
0

Re: It's my "myfico" birthday!

[ Edited ]

trix_r_4_kids wrote:

It has been exactly one year since I joined this wonderful community!  Since then, I have spent 150,898 minutes on the forum -- this translates to almost 2,515 hours.  I have read 129,326 messages, started 16 topics, and made 134 replies.

 

While I no doubt have gleaned more knowledge than I have provided, the things I have learned since joining have been priceless.  I have successfully rehabbed my student loans, received my first credit card that I have had in years, learned about the value of the Walmart card, gotten a few other store cards, negotiated PFDs, sent countless GWs, found and corrected an incorrectly reported tax lien, and set a firm foundation for building knowledge in regard to my credit.

 

A year ago, I joined with the goal of financing a home for my family.  At the risk of jinxing the whole thing, I am proud to say that we are currently under contract on our dream home with the hopes of closing by the end of May.

 

A huge THANK YOU to everyone who contributes so positively to not only my success, but to the success of everyone on the forum!!!


Your post made me realize I just missed my TWO year anniversary here! Smiley Happy

 

Yeah == Pretty much everything I have positive in my life right now has to do with this forum ha -- I couldn't afford my house or my wedding had I not come here first lol

 

-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
Established Contributor
Posts: 502
Registered: ‎04-17-2013
0

Re: It's my "myfico" birthday!

These are all good stories to hear. It gives people who are currently in a not so good situation hope.


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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