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My Credit Repair Journal

New Contributor

Re: My Credit Repair Journal

Congrats on the 1 pt increase  Smiley WinkPayingTheBills   ... um..could I get a PM on the email addressee....RJM is next to last on my list of  coming closer and closer to the 700 club and the mail is recking havoc on my nerves Smiley Tongue

 

 

 

 

 

"Trying to enjoy my NEXT 30 years---DEBT FREE!"

 

 

 

When I grow up I wanna be a GURU!

Message 31 of 54
Frequent Contributor

Re: My Credit Repair Journal

Thanks for the positive comments everyone, I really appreciate it.

I got a new full time job that started on July 24th, and I have been working at my old full time job on Saturdays and Sundays.  So I haven't had a day off in over 5 weeks and I won't have one until Labor Day, but with the extra $ coming in, I can pay things off quicker and put some money away for a rainy day.

 

Keep your heads up everyone, if I can do it, you can too!


Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 726 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Message 32 of 54
Frequent Contributor

Re: My Credit Repair Journal

My HFC Collection Account fell off one day before the 7 year anniversary of the DOFD!
Message Edited by PayingTheBills on 09-01-2009 08:56 PM

Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 726 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Message 33 of 54
Frequent Contributor

Re: My Credit Repair Journal

TU QUARTERLY MONITORING JUST UPDATED!!!

MY TU FICO WENT FROM 617 to 644!!!!


Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 726 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Message 34 of 54
Contributor

Re: My Credit Repair Journal

Excellent!! I've finally had the time to get caught up on this thread. You seem to have all your ducks in a row and you've got a great plan!! Keep up the good work!!! Smiley Happy)))
Me: 9/16/2009 TU:592 EX:571 EQ:598
Me: 10/05/2009: TU: 592 EX: 578 EQ: 605
DH: 9/22/2009 TU:630 EX:620 EQ:629 (LO Pull)
Message 35 of 54
Frequent Contributor

Re: My Credit Repair Journal

Thanks! I always appreciate the encouragement I get here at MyFico.

 

In other news, I had to split my first post into two posts because it got too big, haha.  Go check it out, I added new info!


Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 726 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Message 36 of 54
Frequent Contributor

Re: My Credit Repair Journal

Great job! An inspiration to all! I wish I had sense at your age!! :-)
TU: 556 12/12/08 ~ EQ: 509 12/12/08 ~ EX: 509 12/12/08
TU: 588 8/7/09 ~ EQ: 529 7/30/09 ~ EX - ?? (509 12/12/08)
TU: 619 9/01/09 ~ EQ: 608 9/01/09 ~ EX - ?? (640 FAKO 9/01/09)
TU: 626 9/30/09 ~ EQ: 624 9/30/09 ~ EX - ?? (640 FAKO 9/01/09)
TU: 659 10/7/09 LO PULL EQ: 624 10/7/09 LO PULL EX: 659 10/7/09 LO PULL
Message 37 of 54
Highlighted
Frequent Contributor

Re: My Credit Repair Journal

My Cap1 Credit Steps are COMPLETE. Limit just increased from $750 to $1,000! Woohoo for small victories!

See first post for updated journal.


Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 726 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Message 38 of 54
New Contributor

Re: My Credit Repair Journal

Wow! Just looking at the scores in your sig - you have increased so much in less than a year!!!!

This is wonderful! Congrats and keep up the great work - it is so inspirational to see success stories like this! Smiley Happy

My Credit Rebuilding Journey
8/18/09 - 626 EQ (FICO) 570 TU (FICO)
10/14/09 - 628 EQ (FICO) 563 TU (FICO)
11/10/09 - 631 EQ (FICO) 648 TU (FICO)
1/12/10 - 635 EQ (FICO) 660 TU (FICO)
3/15/10 - 681 EQ (FICO) 684 TU (FICO)
Message 39 of 54
Frequent Contributor

Re: My Credit Repair Journal

thanks!

that first large increase came when 5 of my student loans were rehabilitated (which made the 5 collection accounts from the guarantor disappear).

That second medium increase came from bringing my revolving utilization from 95% to 8%, (my FICOs went to 627 EQ and 622 TU then) and its now at <1% every month.

Since then I've only had small increases (627 to 638 EQ and 622 to 644 TU), but 4 years from today I will be celebrating a flawless report and I will be 100% debt free. Smiley Happy

Message Edited by PayingTheBills on 10-21-2009 11:45 PM

Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 726 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Message 40 of 54