Reply
Regular Contributor
Posts: 167
Registered: ‎09-07-2012

Dell Financial - Paid Off

Didn't want to post this on facebook but had to get it out of my system.  

My wife signed up for a Chase Slate at the end of August so we could use it to pay my Dell Financial off (from a previous relationship and I have been man enough to pay it every month).  After a few weeks of dealing with the bank and some pretty upset nights not knowing if this will work since her account was so new I called the bank tonight and got them to transfer the entire balance 1700+ to her slate card with 0% interest until December 2013.  Now I am going to save over $600 and just pay this off which will look good on her credit.  I am (a) so thankful for this woman to be in my life and (b) so thankful that this has happened to me.  I have been working my ### off to get where I am and that bill have not haunted me every month.

 

This just shows that changing your life for the better putting forth the right effort and staying on track pays off.  It might take a few years of growing up sucky jobs with terrible hours and saying no to your friends on the weekends but man tonight has been a great night.

Cap1Secured $700 | Chase Slate $700 | Amazon Store $5000 | Discover IT $7000 | Lowe's $8000 | AmEx BCE $20000 | Freedom $3000
November 2014 (myFICOs): Equifax 717 TransUnion 725 Experian 717
January 2014 (myFICOs): Equifax 675 TransUnion 661 Experian 723
Moderator
Posts: 13,869
Registered: ‎04-15-2011

Re: Dell Financial - Paid Off

Made me smile....   Nice job!



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!
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008

Re: Dell Financial - Paid Off

Very nice!  :smileyhappy:

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Regular Contributor
Posts: 167
Registered: ‎09-07-2012

Re: Dell Financial - Paid Off

Its also great that I can put it all in my past and not have to speak to my ex anymore.  My wife is not to fond of it but I have always been upfront with her so she deals with it.  I am just getting anxious waiting for the account to read all zeros, its just bad timing since my bill is due in the next few days.  Hopefully its clears by Friday so I do not have to pay the 150 and have to wait on dell to send us back the balance.  If they take over a week I will hound them everyday like they do to other people :smileyhappy:.

Cap1Secured $700 | Chase Slate $700 | Amazon Store $5000 | Discover IT $7000 | Lowe's $8000 | AmEx BCE $20000 | Freedom $3000
November 2014 (myFICOs): Equifax 717 TransUnion 725 Experian 717
January 2014 (myFICOs): Equifax 675 TransUnion 661 Experian 723
Regular Contributor
Posts: 217
Registered: ‎09-25-2012

Re: Dell Financial - Paid Off

Are we talking about Dell(PC) ? What did you buy for that much lol.
TU 746 (10/13)
GOAL: 750+






Regular Contributor
Posts: 167
Registered: ‎09-07-2012

Re: Dell Financial - Paid Off

A computer (complete package ) two Xbox 360s about 25 games etc. etc. lol I was young and dumb I cannot remember when I last put something on there. The payment has posted to my bank but not Dell. I also got a gift from UPS (old employer where I spent 5.5 years). They sent me an investment check out of the blue for a tab more than the bill :smileyhappy:
Cap1Secured $700 | Chase Slate $700 | Amazon Store $5000 | Discover IT $7000 | Lowe's $8000 | AmEx BCE $20000 | Freedom $3000
November 2014 (myFICOs): Equifax 717 TransUnion 725 Experian 717
January 2014 (myFICOs): Equifax 675 TransUnion 661 Experian 723
Regular Contributor
Posts: 217
Registered: ‎09-25-2012

Re: Dell Financial - Paid Off

Lol dam I hope you still use the Xbox n pc. Got to get your moneys worth.
TU 746 (10/13)
GOAL: 750+






Regular Contributor
Posts: 167
Registered: ‎09-07-2012

Re: Dell Financial - Paid Off

Yup both are still running. The pc alone was 1500 at the time but interest has just murdered me and I finally have a job where I just started paying 3x the minimum payment. I wish Dell would hurry up and post it so I can see a zero balance.
Cap1Secured $700 | Chase Slate $700 | Amazon Store $5000 | Discover IT $7000 | Lowe's $8000 | AmEx BCE $20000 | Freedom $3000
November 2014 (myFICOs): Equifax 717 TransUnion 725 Experian 717
January 2014 (myFICOs): Equifax 675 TransUnion 661 Experian 723
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.