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Established Contributor
Posts: 852
Registered: ‎12-09-2012
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Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

Ha same thing happend to me last month , I didnt look at the statements and see the cut date was going to be 2 days sooner and I left 284.00 on a 300.00 card.. talk about ouch when it reported!!  So now it is down to 0.00 and I am paiently waiting for it to report again.

 

my 2 Cap 1 CO's probally wont update until next month around the 4th when they normally reported and taked on a dollar or 2 for "interest"...agrrrr  and I thought waiting a wk was hard enough for a update!

 

Congrats on your bump, at least you know it aint broke or stuck!!

 

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Community Leader
Valued Contributor
Posts: 2,407
Registered: ‎11-29-2012
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Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

I got a nice 19-point bump today. My first cc in a decade hit and I went from 617 to 636 on scorewatch! My fakos didn't budge.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Established Contributor
Posts: 852
Registered: ‎12-09-2012
0

Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

Congrats!!!! Nice bump!!!

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Frequent Contributor
Posts: 368
Registered: ‎02-10-2013
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Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

Sweet...would love a 19 pt bump...I see some people have bumps like 75-100 pts...that would overload my systems...I'd pass out!


Starting Score:
11/11/12 BEGIN REBUILD myFICO 584

11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705
Established Contributor
Posts: 852
Registered: ‎12-09-2012
0

Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

sitting at 598 I would prob pass out if I got a 50-100 point bump!!  I will be mega happy with just 2!

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Frequent Contributor
Posts: 368
Registered: ‎02-10-2013
0

Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

well I paid both CC back down and left alittle on each one.  I have the luxury of not needing any credit at this point.  But the last few cars and trucks we have had were all used.  Maybe it would be nice to get a new car but I'm allergic to monthly payments.  When we got the CapOne card that was the first true credit card we have ever had in our lives (and Im 54 years old).  But my wife has had a mutitude of medical issues and the medical collections hurt our credit score and with having no other credit then our home we couldn't restore our score so here I am.

 

The only other thing on our bucket list is to sell everything and buy a log cabin in the Smoky Mtns in western North Carolina.  On a creek.  With no forwarding address.  With a deck overlooking the creek.  With a beer...... oh yeah now there's my sweet spot!


Starting Score:
11/11/12 BEGIN REBUILD myFICO 584

11/11/13 ONE YEAR ANNIVERSARY!! myFICO 705
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

Dude, Im there with my ATV's and a 48 pack of Heineken!!!!! LOL

Established Contributor
Posts: 534
Registered: ‎01-23-2013
0

Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!


DaBears wrote:

Dude, Im there with my ATV's and a 48 pack of Heineken!!!!! LOL


DUDE, SHARE!

 

yeah so i always seem to get my sw alert late sat night...nothin all weekend -twitch-

 

although prob no change anyway. the only new reporting would be from the 16th, but that wont show up on report for several days after that (and be backdated to the 16th...you know how it goes with this stuff...).

Established Contributor
Posts: 852
Registered: ‎12-09-2012
0

Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

Yes, we make changes and wait:smileytongue: and wait :smileyfrustrated:and wait :smileymad:and almost give up and stop waiting for it,  then out of the blue my phone sounds off and I cant log in fast enough while holding my breath!  Credit repair will drive a non drinking person to drink!! Save one for me!

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Established Contributor
Posts: 534
Registered: ‎01-23-2013
0

Re: THIS IS WORSE THAN CRACK!! I NEED MY BOUNCE FIX!!

Sorry, ya'll, was 6 pages deep...just couldnt let the thread die.

 

Just wouldnt be right.

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