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Member
Posts: 36
Registered: ‎11-26-2012
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J's Credit Repair Journal

[ Edited ]

Redoing my journal to better organize myself.

 

Baddies:

Home depot $341 - 60 days late - 8/2012

Bank of America $754 - 120 days late - 6/2012

Capital One - $0 - 90 days late - 7/2012

TXU Energy - $110 - CO - 4/2012

Texas Guaranteed - $0 - Payment after CO - 10/2010

Texas Guaranteed - $0 - Payment after CO - 10/2010

Texas Guaranteed - $0 - Payment after CO - 10/2010

Costep Servicing - $0 - 120 days late - 5/2009

Costep Servicing - $0 - 120 days late - 5/2009

Costep Servicing - $0 - 120 days late - 5/2009

Prof Debt - $1920 - Collections - 4/2012

Cba - $81 - Collections - 2/2012

Bekmn Assoc - $774 - Collections - 1/2006

 

Current open accounts:

Capital One - $300 limit

Home Depot - $600 limit

 

Starting scores:

TU: 489 EQ: 471

 

I've sent PIF with GW to BoA and TXU. I've sent GW to the rest except for the collections. I'm a little worried about Prof Debt. I don't have the money to PIF. Should I set up a payment plan and then GW at the end? Save my money and PIF when I can? It's recent so getting sued is a possibility.

 

Thanks.

 

Established Contributor
Posts: 573
Registered: ‎02-12-2011
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Re: J's Credit Repair Journal

With starting scores like that it's going to be nice to watch you break into the 600's and beyond. Good luck and this is a good start itemizing everything.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


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Moderator
Posts: 13,647
Registered: ‎04-15-2011
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Re: J's Credit Repair Journal

Absolutely.  Set goals and try hard for those goals!!!



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!
Member
Posts: 36
Registered: ‎11-26-2012
0

Re: J's Credit Repair Journal

Alert:Your FICO® score has exceeded your target score of 500

Score Watch alert/Changes to your FICO® Score

   Your FICO® score has gone up to 502 on December 16, 2012.
 
 Target score alert:Your FICO® score has exceeded your target score of 500.
 
Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:
  • You've made heavy use of your available revolving credit.

 

Baddies:

Home depot $226 - 60 days late - 8/2012

Bank of America $0 - 180 days late - 6/2012

Capital One - $232 - 90 days late - 7/2012

TXU Energy - $110 - CO - 4/2012

Texas Guaranteed - $0 - Payment after CO - 10/2010

Texas Guaranteed - $0 - Payment after CO - 10/2010

Texas Guaranteed - $0 - Payment after CO - 10/2010

Costep Servicing - $0 - 120 days late - 5/2009

Costep Servicing - $0 - 120 days late - 5/2009

Costep Servicing - $0 - 120 days late - 5/2009

Prof Debt - $1920 - Collections - 4/2012

Cba - $81 - Collections - 2/2012

Bekmn Assoc - $774 - Collections - 1/2006

 

Current open accounts:

Capital One - $300 limit

Home Depot - $600 limit

 

Starting scores:

TU: 489 EQ: 471

 

Current scores:

TU:? EQ: 502

 

Unfortunately, BoA didn't delete the negative information. I'll try to GW them again sometime. Right now I'm thinking I really need to deal with "prof debt". I'm worried I'm going to get sued.

Established Contributor
Posts: 573
Registered: ‎02-12-2011
0

Re: J's Credit Repair Journal

Looks like you got 31 points or so to me. Congrats! Keep it moving.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Member
Posts: 36
Registered: ‎11-26-2012
0

Re: J's Credit Repair Journal

Thanks. It actually dipped to 464 before it jumped up due to an increase in the capital one balance. Actual increase was 38 points. Very encouraging especially after the dip.

Established Contributor
Posts: 573
Registered: ‎02-12-2011
0

Re: J's Credit Repair Journal

Exactly, take any positive points that come your way, you can't beat the feeling.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Moderator
Posts: 13,647
Registered: ‎04-15-2011
0

Re: J's Credit Repair Journal

On your way!!!



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!
Member
Posts: 36
Registered: ‎11-26-2012
0

Re: J's Credit Repair Journal

   Your FICO® score has gone up to 515 on January 6, 2013.
 
 Target score alert:Your FICO® score has reached your target score of 515.
 
Your FICO score may have gone up because the following 4 factors are not hurting your FICO score as much as before:
  • You've made heavy use of your available revolving credit.
  • You've made heavy use of your available revolving credit.
  • You've made heavy use of your available revolving credit.
  • You've made heavy use of your available revolving credit.

I believe my BofA card was reinstated after I paid them which bumped up my available credit and helped my utilization. Also reported was my TXU payment was posted and is reporting less derogatory.

Moderator
Posts: 13,647
Registered: ‎04-15-2011
0

Re: J's Credit Repair Journal

It's moving in the right direction!



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!
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