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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.
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.
Absolutely. Set goals and try hard for those goals!!!
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:
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. |
Looks like you got 31 points or so to me. Congrats! Keep it moving.
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.
Exactly, take any positive points that come your way, you can't beat the feeling.
On your way!!!
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:
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. |
It's moving in the right direction!