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Proud of myself, even though I waited so long

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KORN
New Contributor
‎12-06-2013 09:59 AM
‎12-06-2013 09:59 AM

Proud of myself, even though I waited so long

So I'm rebuilding/cleaning up my credit.  I have spent a lot of time to get where i'm at even though I still feel far away.  I was seriously like not even close to the 500 or 600 scores.

 

TransUnion-I went from owing $4,861 to $1, 948 which will hopefully go to $0 in a month.

643 on 12/2/13

 

Experian-I went from owing $3,827 to $1,537 which will hopefully also be going to $0 in a month.

635 on 12/2/13

 

Equifax-I went from owing $6,367 to $2,485 which will also hopefully be a $0 in a month.

NO SCORE

 

I have also applied for a secured credit card to start getting some credit score increases!! 

 

It's taking time, but it's worth it Smiley Happy

Barclay$1450/Cap1 QuickSilver1 $1300/BofA $1,000/ChaseAmazon $1,000/Amazon $2500/Old Navy $800/REDcard $800/Walmart $600/PayPal $1900/Game Stop $350-5/8/14 638..8/12/14 696..10/2/14 712
Message 1 of 8
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Scupra
Super Contributor
‎12-06-2013 10:39 AM
‎12-06-2013 10:39 AM

Re: Proud of myself, even though I waited so long

Big congrats to you and keep up the good work! Must feel awesome right now!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 2 of 8
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coldnmn
Mega Contributor
‎12-06-2013 11:08 AM
‎12-06-2013 11:08 AM

Re: Proud of myself, even though I waited so long

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 8
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jkt1975
Contributor
‎12-06-2013 08:53 PM
‎12-06-2013 08:53 PM

Re: Proud of myself, even though I waited so long

Congrats...I am also new here and also on the long journey back to good credit..keep up the good work.


NFCU Flagship-18k, PenFed Amex-5k, FNBO Visa-5k, Hyatt Visa-5k, Mileage Plus Club-5k, Barclay Rewards-3k, Regions Visa-5k, Lowes 6k, CreditOne 1150, VS-1100, WalMart-5k, QS1-1300, Cabellas 1k
Starting Scores 2/14 - TU 506 EX 447 EQ 459
Current Fico Scores - 12/3/15 - EX 653, TU 689, EQ 667 in the garden til 6/16/2016
Message 4 of 8
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09Lexie
Moderator Emerita
‎12-06-2013 09:03 PM
‎12-06-2013 09:03 PM

Re: Proud of myself, even though I waited so long

WooHoo! Good job!


Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads
Message 5 of 8
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alvon123
Super Contributor
‎12-07-2013 10:54 AM
‎12-07-2013 10:54 AM

Re: Proud of myself, even though I waited so long

congrats!!!


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myjourney
Super Contributor
‎12-07-2013 07:44 PM
‎12-07-2013 07:44 PM

Re: Proud of myself, even though I waited so long

BRAVO 

Well doneSmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 8
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ktl72455
Valued Contributor
‎12-12-2013 06:00 PM
‎12-12-2013 06:00 PM

Re: Proud of myself, even though I waited so long

Congrats!! keep up the good work!!!

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
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