My Journey... patiently getting there!!

[Anonymous]

I've been reading this forum for about a year now, and was so amazed at how credit works. I found this forum from my addiction to finance. I love about these stories! I read this forum almost everyday, but never did anything to fix my credit (except for the 3 shopping card tricks). Well here I am now

Anyways, here is my journey so far.
TU 550- 672
EX580- 657

Current cards
military star - 5yrs+/ $1725
VS- 1yr/$250- $750
NFCU Rewards 1yr/ $2000-$4000
Express 1yr/$350- $750
Jcrew 1yr/ $350
Cap 1 platinum 2 months/ $300
NFCU car loan 1yr/ $10200
Zales 9 months / $ 1500

1 neg account dated last payment apr/2010 (auto loan)

I now have 0 collections, all 4 have fallen off last year.
2 late payments on my star card dated back in 2013 and 2011. Will be request a deletion
Debt t credit ration is 9%.

Its a long patient journey, but I know can can get there because of the encouragement and motivated support this forum provides!! Thank you ficoforums! !!!

[bkelly906]

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@Anonymous wrote:
I've been reading this forum for about a year now, and was so amazed at how credit works. I found this forum from my addiction to finance. I love about these stories! I read this forum almost everyday, but never did anything to fix my credit (except for the 3 shopping card tricks). Well here I am now

Anyways, here is my journey so far.
TU 550- 672
EX580- 657

Current cards
military star - 5yrs+/ $1725
VS- 1yr/$250- $750
NFCU Rewards 1yr/ $2000-$4000
Express 1yr/$350- $750
Jcrew 1yr/ $350
Cap 1 platinum 2 months/ $300
NFCU car loan 1yr/ $10200
Zales 9 months / $ 1500

1 neg account dated last payment apr/2010 (auto loan)

I now have 0 collections, all 4 have fallen off last year.
2 late payments on my star card dated back in 2013 and 2011. Will be request a deletion
Debt t credit ration is 9%.

Its a long patient journey, but I know can can get there because of the encouragement and motivated support this forum provides!! Thank you ficoforums! !!!

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Sounds like you have made some great progress.  Keep GW'ing those lates and you'll have a clean report before you know it!

Good luck.

[Shokk]

Congrats!  Patience is key.  I started a year and a half ago with scores now in the 650 to 670 range after starting in the low 500s.  Definitely a marathon and not a sprint!

[Anonymous]

Sorry about the typo.. using my phone.
Thank you guys for the encouragement , iappreciate the feedback!

[Anonymous]

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@Anonymous wrote:
I've been reading this forum for about a year now, and was so amazed at how credit works. I found this forum from my addiction to finance. I love about these stories! I read this forum almost everyday, but never did anything to fix my credit (except for the 3 shopping card tricks). Well here I am now

Anyways, here is my journey so far.
TU 550- 672
EX580- 657

Current cards
military star - 5yrs+/ $1725
VS- 1yr/$250- $750
NFCU Rewards 1yr/ $2000-$4000
Express 1yr/$350- $750
Jcrew 1yr/ $350
Cap 1 platinum 2 months/ $300
NFCU car loan 1yr/ $10200
Zales 9 months / $ 1500

1 neg account dated last payment apr/2010 (auto loan)

I now have 0 collections, all 4 have fallen off last year.
2 late payments on my star card dated back in 2013 and 2011. Will be request a deletion
Debt t credit ration is 9%.

Its a long patient journey, but I know can can get there because of the encouragement and motivated support this forum provides!! Thank you ficoforums! !!!

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Wonderful. I read this forum because of stories like yours.