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Valued Contributor
j_casteel
Posts: 1,699
Registered: ‎06-21-2012

Just playing the waiting game...so far so good.

Well, this past year I have been able to open up several accounts as well as get any and all past due accounts taken care of. All my current debt is just that "current", my scores are continuing to increase since I started actively working on my credit last July, and have learned so much here. Now just gotta play the waiting game...like I said I paid off all old CO's/debt, got some removed, and now just waiting for the rest to fall off my reports. It may have been a tough route and slower, but I am proud to say I didn't file BK.

 

Thanks

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:686 EX:706 TU:698
Goal Score: 700
across the board
Regular Contributor
Mondavi
Posts: 221
Registered: ‎06-12-2012

Re: Just playing the waiting game...so far so good.

[ Edited ]

Congrats. Since you said you paid all of your debts off. Have you sent out GW letters to try and maybe get some more things removed?

I also am proud that I never had to go the BK route. I am max 7 months from a clean file.

Valued Contributor
j_casteel
Posts: 1,699
Registered: ‎06-21-2012

Re: Just playing the waiting game...so far so good.


Mondavi wrote:

Congrats. Since you said you paid all of your debts off. Have you sent out GW letters to try and maybe get some more things removed?

I also am proud that I never had to go the BK route. I am max 7 months from a clean file.


yeah, tried PFD and then GW letters. Worked on some....even got some lates removed on several student loans. I made mistakes and paid them off and now just need to wait for time to pass.

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:686 EX:706 TU:698
Goal Score: 700
across the board
Regular Contributor
kitty9779
Posts: 164
Registered: ‎06-06-2011

Re: Just playing the waiting game...so far so good.

Congrats!! I am hoping for great success too!!

Valued Contributor
j_casteel
Posts: 1,699
Registered: ‎06-21-2012

Re: Just playing the waiting game...so far so good.


kitty9779 wrote:

Congrats!! I am hoping for great success too!!


thank you....and best of luck for great success!!

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $15k | BoA WMC $8.1k | Freedom $3k | Discover $4k | CSP $5k |
Starting Score: EQ:571 EX:??? TU:597
Current Score: EQ:686 EX:706 TU:698
Goal Score: 700
across the board
Frequent Contributor
Kathy4NU
Posts: 279
Registered: ‎07-09-2012

Re: Just playing the waiting game...so far so good.

Way to go!

 

I know what you said about not filing BK.  I had several suggest that I do as I was in for over $106,000 in medical bills.  As of this week (7 1/2 months later) I am debt free and did not file BK.  It feels good!!!



June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Just playing the waiting game...so far so good.

Keep up the good work!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
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