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Halloween Credit Horror Stories

Moderator Emeritus

Halloween Credit Horror Stories

Do you have a credit horror story to share with the rest of your myFICO family?  If so, let's hear it, and don't leave out the gorey details!

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 1 of 7
6 REPLIES
Senior Contributor

Re: Halloween Credit Horror Stories

How about just a royal screw up?  A few months ago I deposited a nice sized rebate check, I think it was $100.  I didn't notice that it was one day past the expiration date.  I deposit it and the funds cleared the next day.  Didn't think a thing about it.  I ran a bunch of debits....and guess what happened?  The rebate ck was refused and I was charged about $380 worth of NSF debits.  WAY TO GO! 

Message 2 of 7
Senior Contributor

Re: Halloween Credit Horror Stories

I do have a little 'funny' though.  I was working p/t at a local retailer.  A guy in his 30's came through my line, handed me his cc.  Declined.  Hmmmm, pulled out another card...Declined.  We went through his entire wallet and all declined.  He suddenly realized that his soon to be ex probably went shopping. 

 

Smiley Mad

Message 3 of 7
Moderator Emeritus

Re: Halloween Credit Horror Stories


fishbjc wrote:

I do have a little 'funny' though.  I was working p/t at a local retailer.  A guy in his 30's came through my line, handed me his cc.  Declined.  Hmmmm, pulled out another card...Declined.  We went through his entire wallet and all declined.  He suddenly realized that his soon to be ex probably went shopping. 

 

Smiley Mad


Now that's funny!   Well,,, not for him!

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 4 of 7
Regular Contributor

Re: Halloween Credit Horror Stories

About 20 years ago, my uncle's wife left him.  She was heard saying that she wouldnt leave this marriage with out anything..............

 

He gets ready to take a loan and gets denied.......

 

Phone calls start from random credit cards.........

 

30k in credit card debt had been run up......... took him years to get it straightened out......  He ended up having to pay for most of it, living off sandwichs and eating at my moms and grandmas for several years, living as a hermit........  Poor guy

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Message 5 of 7
Community Leader
Valued Contributor

Re: Halloween Credit Horror Stories


fishbjc wrote:
He suddenly realized that his soon to be ex probably went shopping. 

Smiley Very Happy

Message 6 of 7
Regular Contributor

Re: Halloween Credit Horror Stories


KoolDev wrote:

About 20 years ago, my uncle's wife left him.  She was heard saying that she wouldnt leave this marriage with out anything..............

 

He gets ready to take a loan and gets denied.......

 

Phone calls start from random credit cards.........

 

30k in credit card debt had been run up......... took him years to get it straightened out......  He ended up having to pay for most of it, living off sandwichs and eating at my moms and grandmas for several years, living as a hermit........  Poor guy


and Ramen! that's the good stuff Smiley Wink

Current: EQ FICO 0, TU FICO 0, EX FICO 0 | Starting Score: 0 (08/21/2013)

Starting total revolving credit: $0 | Current total revolving credit: $1600.00

Inquiries (12 Months): EQ 3-4 TU Unsure EX Unsure | Most Recent: 8/19/2013


2013 Goals:
1,000.00 Emergency Fund
1,000.00 Emergency Fund, AGAIN
Mechanically Sound Car
Unsecured Card

Fifth Third $300
U.S. Bank Harley Davidson $300
Capital One Platinum $500
2nd Capital One Platinum $500


Message 7 of 7