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Patience is a most important ingredient

Established Contributor

Patience is a most important ingredient

I'm currently in a holding pattern, waiting for disputes and HIPAA letters to settle, waiting for the IRS lien to be removed, waiting for my paid off CCs to reflect the new balances, waiting for Jan to finish consolidating my student loans (then getting the payments set up so their repayment amount is right when it's time to app for the mortgage), waiting for the last round of GW letters to hit...

 

Lots of waiting.  For a very impatient person, it's certainly been a valuable (albeit painful) lesson!  There are no quick-fixes in solid credit repair.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Message 1 of 5
4 REPLIES
Established Contributor

Re: Patience is a most important ingredient


thankfulheart wrote:

I'm currently in a holding pattern, waiting for disputes and HIPAA letters to settle, waiting for the IRS lien to be removed, waiting for my paid off CCs to reflect the new balances, waiting for Jan to finish consolidating my student loans (then getting the payments set up so their repayment amount is right when it's time to app for the mortgage), waiting for the last round of GW letters to hit...

 

Lots of waiting.  For a very impatient person, it's certainly been a valuable (albeit painful) lesson!  There are no quick-fixes in solid credit repair

 According to a recent study from the Federal Reserve's research center for Behavioral Economics:  "Impatient people are more likely to default on a credit card or mortgage obligation".  Patience is a Virtue! 

 

Message 2 of 5
Valued Contributor

Re: Patience is a most important ingredient

thats absurd x.x

 

though it seems to make sense with me HAHA!

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 3 of 5
Established Contributor

Re: Patience is a most important ingredient

Im waiting too and its not easy. I sent out 5 GW letters today. Waiting on inquires to fall off, 6 in March. Waiting on balances reported to get lower. Waiting on recently opened accounts to age to perfection. And waiting till I can apply for a mortgage.

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Message 4 of 5
Established Contributor

Re: Patience is a most important ingredient

Just think how happy you will be after the waiting is over Smiley Happy It sucks right now but it's only going to get better!!!
Filed BK 12/5/14
341 meeting 1/9/15
Anticipated discharge 3/10/15

Goal: 700 by 3/2017
Message 5 of 5