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Thank you guys

Valued Member

Thank you guys

So I am on this forum pretty often, but don't post a lot.  For the past year I have been working to rebuild my credit and initially thought I could bring up scores that were in the mid 500 range to 700 in a year.  Long and short of the story, it did not happen, but was happened is a new relationship that I have with my money and paying my bills on time.  I had several misreported credit items on my report that were because my brother and I have very similar names.  I opened up two credit cards and have been paying them on time, paying off my school debt and setting up payments for two accounts that I am unable to get pfd.  What I've learned is that rebuilding my credit will take time and that is okay.  That is how the process is suppose to work.  We can't take care of our credit issues overnight, learning new behavior does not happen overnight.  So here is what has happened my credit score has gone up anywhere from 80-100 points across the board. 

 

I feel like I am on the path to true financial stability and it feels great and it is in large part due to this group.  So just want to send out a big thank you to y'all!!

 

Peace,

 

SassyMomma


Starting Score: 512
Current Score: 651
Goal Score: 700 Club


Take the myFICO Fitness Challenge


4/2012 - EX: 512, TU: 527, EQ: 530
02/13: TU: 628 EQ: 678 EX: 632 (FAKO)
Get in the 700 Club in 2013
Message 1 of 9
8 REPLIES
New Contributor

Re: Thank you guys

Congratulations!

 

What are your scores looking like?

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Message 2 of 9
Established Contributor

Re: Thank you guys

Congrats

Message 3 of 9
Established Member

Re: Thank you guys

WOW 4us- I see that you filed BK in June and your post BK score is already in the mid 600's. Is there any advice you can shoot over to someone who is about to file. And yes, completely new to the forum and process!

Thanks

BK Discharge 03/14

Starting Score: 508
Current Score: 622
Goal Score: 720


Take the myFICO Fitness Challenge

Current List. Capital One QS $1500, Capital Once QS $750, CreditOne $500, First Premeire $300, Amazon Store Card $600, Kohls Store Card $300.
Message 4 of 9
Moderator Emeritus

Re: Thank you guys

Excellent!   Congrats!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 9
Established Contributor

Re: Thank you guys

Keep the debt low and keep going forward! Nothing of ANY VALUE comes easily. Congrats.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 6 of 9
Regular Contributor

Re: Thank you guys

Congrats!!!

Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Message 7 of 9
Valued Member

Re: Thank you guys

I never filed for BK.  I just have a really bad credit score and working on getting it together.  For me there were serious errors on my credit report, my brother has a judgment and has a very dilinquent bill, so getting those off helped immensely.  Now I am just dealing with my own craziness.  Hope that helps.  Peace!

 


Starting Score: 512
Current Score: 651
Goal Score: 700 Club


Take the myFICO Fitness Challenge


4/2012 - EX: 512, TU: 527, EQ: 530
02/13: TU: 628 EQ: 678 EX: 632 (FAKO)
Get in the 700 Club in 2013
Message 8 of 9
Valued Member

Re: Thank you guys

Love your three P's!! 


Starting Score: 512
Current Score: 651
Goal Score: 700 Club


Take the myFICO Fitness Challenge


4/2012 - EX: 512, TU: 527, EQ: 530
02/13: TU: 628 EQ: 678 EX: 632 (FAKO)
Get in the 700 Club in 2013
Message 9 of 9