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

Valued Contributor

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

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

6 REPLIES
Regular Contributor

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

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

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.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Regular Contributor

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

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

Valued Contributor

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!!

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Frequent Contributor

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

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 832 EX 783 TU 816
App free since 9/15/15