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Established Member
slowfixer
Posts: 30
Registered: ‎02-06-2008
0

not bad for my first 3 weeks

So I have all my current scores now.
 
 
5/7
TU 534  EX 514 EQ 548
 
5/22
TU 564 EX 541 EQ 571
 
 
Not bad work so far, I know EX is way lower cause they are the only ones my timeshare that foreclosed is on. too of my scores say not bad now instead of bad:smileywink:
Regular Contributor
Ceejay1978
Posts: 205
Registered: ‎09-28-2007
0

Re: not bad for my first 3 weeks

[ Edited ]
How are you handling/did you handle the time share issue.  I have what may be the same situation and I know i need to handle it but i am askared (LOL)
 
 
WTG with you increased!!!!


Message Edited by Ceejay1978 on 05-22-2008 03:38 PM
Scores as of 5/3/2011

EQ - 577
EX - 639 !!!
TU - 579
Established Member
slowfixer
Posts: 30
Registered: ‎02-06-2008
0

Re: not bad for my first 3 weeks

when I asked about it on the mortgage site they told me since I had already been more than 4 months late that it would be counted as a foreclosure anyways.  So I just told the company I am divorced I have no way to pay you and please do not contact me again.
 
I know it will hurt my score but I reall have no options right now. I am barely able to put 100  a month towards repairing the other debts on my report.. I certainly did not have the 3000 to get them to bring it current and I also did not have 300 a month to give them if It was caught up. I told them I understand this is my debt and I would be willing to make small payments to the loan but they were jerks about it. They do all of the financing in house so I really don't know what else to do with it besides leave it there.
Contributor
diva0969
Posts: 94
Registered: ‎04-19-2008
0

Re: not bad for my first 3 weeks

Congrats!!!!! I was inspired by your success and pulled my scores today.  I, too, have made progress:
 
 
5/13=TU 581   EQ 546   EX 534
5/22=TU 596   EQ 560   EX 576
 
 
I'm so excited.  I've only been working on my reports for about a month as well...having had very little success until I found MyFico.
 
Thanks guys!!! I'm knocking on 600s door!! 
Established Member
slowfixer
Posts: 30
Registered: ‎02-06-2008
0

Re: not bad for my first 3 weeks

it a great feeling isn't it. I have been having a weird year getting divorced changling jobs having my paid off car stolen and being forced to buy another.  Finally something positive to make happen.
Contributor
diva0969
Posts: 94
Registered: ‎04-19-2008
0

Re: not bad for my first 3 weeks

I totally understand.....I discharged a chapter 13 last year got the high fee low limit cards hoping to rebuild my credit.  They have helped, but I'll be so glad to get rid of them.  My secured BofA was converted last month so I'm excited about that.  And even more good news: today's scores don't reflect that I've paid my balances down from a utilization of 94% to 54% this month.  I can't wait to pull my ficos early next month to see where my scores are. 
 
Keep up the good work!  We're on our way!
Established Member
slowfixer
Posts: 30
Registered: ‎02-06-2008
0

Re: not bad for my first 3 weeks

I currently have no cc's besides the 3 that went default  over 2 years ago. I should totally get a secured bofa one.
 
something small and in the right direction.
Frequent Contributor
momof2
Posts: 476
Registered: ‎03-23-2008
0

Re: not bad for my first 3 weeks

I am really kicking myself in the butt right about now, when i first found myfico i only signed up for SW, I wish i bought all 3 scores so i cna compare from now to when i joined at the end of march. at that time EQ was 612, as of may 7th it was 636, not much progress their, i pulled my other 2 when i got the 75% dicount on the suze orman kit, EX is 668 and TU was 664, then today after i updated TC to see if TU had FINALLY deleted an account aht i disputed twice, after the CA promised to have deleted(I HATE TU), well after updating that i saw that that one CA wasnt their anymore, so i decided to use my last score pull for the suze orman kit and TU went from 664 to 682, 18points work for me, what sucks is that my target by dec 2008 was to hit 675 at least, well TU has now passed that, I have a ways to go for EQ and EX well i am just waiting for my last and finally CA to validate, if not then I hope to god for a good 50-80 point jump, then I can be proud of my self, after that only thing left to work on is lowering my CC balances. I have 2 credits that wont GW, but one falls off in dec 09 and the other not till 2010, but that OC filed BK so after they are complete out of business, i think i will dispute to get the late off(30 days late 3 or 4 years ago), when the OC doesnt validate cause they'll be out of business i am hoping for the late to be deleted, after that it's just a time waiting game for my accounts to age.
 
I know this is long, but thank for all support from all
FICO2/10=EQ= 564

FICO2/10=6012/10-FACO TU 578;3/10=643

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