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New Contributor
lady_texan
Posts: 69
Registered: ‎09-03-2007
0

Re: My Credit Repair Journal

Congrats on the 1 pt increase  :smileywink:PayingTheBills   ... 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 :smileytongue:

 

 

 

 

 

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

 

 

 

When I grow up I wanna be a GURU!

Frequent Contributor
PayingTheBills
Posts: 353
Registered: ‎01-29-2009
0

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 715 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Frequent Contributor
PayingTheBills
Posts: 353
Registered: ‎01-29-2009
0

Re: My Credit Repair Journal

[ Edited ]
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 715 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Frequent Contributor
PayingTheBills
Posts: 353
Registered: ‎01-29-2009
0

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 715 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Contributor
ALS719
Posts: 123
Registered: ‎09-08-2009
0

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!!! :smileyhappy:)))
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)
Frequent Contributor
PayingTheBills
Posts: 353
Registered: ‎01-29-2009
0

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 715 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
Frequent Contributor
ArmyStrong
Posts: 335
Registered: ‎01-09-2009
0

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
Frequent Contributor
PayingTheBills
Posts: 353
Registered: ‎01-29-2009
0

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 715 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal
New Contributor
Circe221
Posts: 123
Registered: ‎07-31-2009
0

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! :smileyhappy:

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)
Frequent Contributor
PayingTheBills
Posts: 353
Registered: ‎01-29-2009
0

Re: My Credit Repair Journal

[ Edited ]

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. :smileyhappy:

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 715 TU
Goal Score: 760 EQ 760 TU


My Credit Repair Journal

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