Reply
Frequent Contributor
Posts: 446
Registered: ‎09-13-2013

forum member progress history

Am i the only one who reads old threads with new forum members commenting about their credit repair journeys?

i like to read the threads of people that are ecstatic that they were approved for that first unsecured Capital one card. I then look at the siggy thats been updated over the last 24 months and you see CL's of 8-10k or more. It gives you encouragement to stick with it.

i also feel like a junior in highschool looking at old yearbooks of classmates.

(high school sucked. never again)

Amex Plat, Lowes 25k,Care Credit 15kJohn Deere 10k,Freedom 10k,Sams MC 10k,Paypal MC 10k,CSP 8k,Cabelas 6.5k, Barclay Rewards 6.5k,Ebates Visa Sig 6k,Dillards Amex 5.2k,Diners Club MC 5k,Marriott Premier VISA sig 5k,Wyndham Rewards MC 5k,SWA Visa Sig 5k,GM Buy Power MC 5k,Venture One MC 5k,Orbitz Visa 4.5k,SNL MC 4k,Sallie Mae MC 2.5k,Quicksilver 3k,discover 2k
Frequent Contributor
Posts: 323
Registered: ‎06-08-2007

Re: forum member progress history


woodyman100 wrote:

I then look at the siggy thats been updated over the last 24 months and you see CL's of 8-10k or more.


I don't like it when I'm reading old threads and everyone says they got approved or denied for this-or-that, and they say "scores are in sig".  Well that sig's been updated for 24 months or maybe 8 years so that's hardly helpful now, is it?  Might as well erase the post after a few months because that data becomes useless.  It's not that hard to type "my EX score is xxx".  That's actually fewer keystrokes than "my scores are in my sig".

EQ: 750 TU: 771 EX: 753
GICU [15k], Sportsman's Guide [7k], PenFed [6.5k], Chase Amazon [6.5k], Citi TYP [5.2k], Chase SP [5k], Chase Freedom [5k], Elan [4.5k], Discover it [3.7k], QS1 [3.7k], GE/Amazon [2k], Amex OBC [2k], GE/Paypal [1.5k], Victoria's [1.3k], BofA secured [99/500], Amex Gold [NPSL], Amex PRG [NPSL]
Regular Contributor
Posts: 144
Registered: ‎03-07-2014

Re: forum member progress history


woodyman100 wrote:

Am i the only one who reads old threads with new forum members commenting about their credit repair journeys?

i like to read the threads of people that are ecstatic that they were approved for that first unsecured Capital one card. I then look at the siggy thats been updated over the last 24 months and you see CL's of 8-10k or more. It gives you encouragement to stick with it.

i also feel like a junior in highschool looking at old yearbooks of classmates.

(high school sucked. never again)


I really agree with this, thugh what the other poster said is somewhat true, the daa does become useless as time goes on, but I agree with your post more. Being a new credit builder, with 8 months of history now, try to rebuild from 2.5 years of HORRIBLE history I like to read other people's journeys and use them as encouragement t continue to build. I'm at the point now where if I pay off my cards ill probably top at ~650 and be stuck there until January when my CC reaches a year old and all of my baddies will be over 2 years old. 

 

I spend a lot of time reading a large variety of post here, and I find it very useful and very encouraging, especially knowing that others here make near my income and have very good cards with good limits.

Current cards. Capitol One: QuickSlver One $3,500 and $300 (AU) Capitol one secured $520 and $200 (AU) Élan Finicial $2,000 And $2,000 (Joint) Walmart $600 Amazon Store Card $600 Gamestop Credit Card $550 total credit $10,270 started at $200 12/1/2013 :smileyhappy:
Starting score 2/18/2013 486 Current scores, MyFico 9/21/2014 Equifax 634 Transunion 643 Experian 641
Valued Contributor
Posts: 1,827
Registered: ‎12-25-2013

Re: forum member progress history

I agree! I love reading threads and looking at how far some have came. It's very inspiring and pushes me to keep going on my journey as well. 

My Rebuilding Journal
Current Score (01/28/14) - 555 (Via MyFICO Scorewatch)
No credit score pull until January 2015!
Current Goal, no collections. Only positive tradelines!
Super Contributor
Posts: 8,827
Registered: ‎04-22-2013

Re: forum member progress history

On a more depressing note, it can also be used to learn lessons.  There are some old rebuilding threads where the user is making progress, starts asking about high CL cards (always a danger sign in my eyes!), then a period of silence, followed by a new rebuilding.

 

That's part of the danger of forums like this, it appears that everyone is getting those great cards except you, and some (hopefully not many) overstretch themselves again.

850 EQ, 850 TU, 841 EX
Frequent Contributor
Posts: 446
Registered: ‎09-13-2013

Re: forum member progress history

All of your comments seem to be true. I had a restaurant go under in 2000 and my credit was devastated. I had a 485 score. I just negotiated what I could and waited out the baddies for several years. I found this forum a couple of years ago and began the trek to redemption. After a year, I began working on my wife's as well. A little over 2 years on, my scores are in the low to mid 700's and my wife's are in the 700's as well. She still as 2 baddies and I have 1 big one that I'll be paying on for a couple more years. I have become obsessed with paying cc's in full now. If I see even a dollar on one I panic. If my scores wouldn't take a hit, I would close all but 3 or 4. I need to hang with it though. I need a mortgage in 2 years, when my inquiries fall off. Thank you everyone for your help.
Amex Plat, Lowes 25k,Care Credit 15kJohn Deere 10k,Freedom 10k,Sams MC 10k,Paypal MC 10k,CSP 8k,Cabelas 6.5k, Barclay Rewards 6.5k,Ebates Visa Sig 6k,Dillards Amex 5.2k,Diners Club MC 5k,Marriott Premier VISA sig 5k,Wyndham Rewards MC 5k,SWA Visa Sig 5k,GM Buy Power MC 5k,Venture One MC 5k,Orbitz Visa 4.5k,SNL MC 4k,Sallie Mae MC 2.5k,Quicksilver 3k,discover 2k
Frequent Contributor
Posts: 446
Registered: ‎09-13-2013

Re: forum member progress history

I have gone through the same stages everyone else has. Apping too much because it feels good to be trusted again, getting the wrong types of credit and now having to wait out those mistakes, etc. lolling ahead at other peoples journeys helps me try and avoid the same pitfalls. I am sometimes astounded at the brutal honesty some lay out on these forums. It helps knowing you're not the only one that had made that mistake
Amex Plat, Lowes 25k,Care Credit 15kJohn Deere 10k,Freedom 10k,Sams MC 10k,Paypal MC 10k,CSP 8k,Cabelas 6.5k, Barclay Rewards 6.5k,Ebates Visa Sig 6k,Dillards Amex 5.2k,Diners Club MC 5k,Marriott Premier VISA sig 5k,Wyndham Rewards MC 5k,SWA Visa Sig 5k,GM Buy Power MC 5k,Venture One MC 5k,Orbitz Visa 4.5k,SNL MC 4k,Sallie Mae MC 2.5k,Quicksilver 3k,discover 2k
Frequent Contributor
Posts: 446
Registered: ‎09-13-2013

Re: forum member progress history

"Looking ahead" not "lolling ahead" trust me , I'm not laughing at anybody. Except me right now
Amex Plat, Lowes 25k,Care Credit 15kJohn Deere 10k,Freedom 10k,Sams MC 10k,Paypal MC 10k,CSP 8k,Cabelas 6.5k, Barclay Rewards 6.5k,Ebates Visa Sig 6k,Dillards Amex 5.2k,Diners Club MC 5k,Marriott Premier VISA sig 5k,Wyndham Rewards MC 5k,SWA Visa Sig 5k,GM Buy Power MC 5k,Venture One MC 5k,Orbitz Visa 4.5k,SNL MC 4k,Sallie Mae MC 2.5k,Quicksilver 3k,discover 2k
Established Contributor
Posts: 898
Registered: ‎12-05-2013

Re: forum member progress history


woodyman100 wrote:
"Looking ahead" not "lolling ahead" trust me , I'm not laughing at anybody. Except me right now

 

No worries.  I'm not one to laugh at anymore.  I just re entered the credit card world about seven months ago after taking off 10+ years.  I too had gone through some financial travesties over the years related to business and my credit became damaged due to personal refusal to declare bankruptcy.  In turn I made every effort to pay back and as a result some of my baddies stayed on my CRs.  It took many years and hard negotiations for the baddies to come off.  During this process I learned quite a bit about credit rebuilding..and since finding MyFico I've added credit boosting into my porffolio.  :smileyhappy:

 

Seven months ago I had only a paypal prepaid business debit card earning 1.5% cashback and a First Premier mastercard with $600 credit line.  After perusing hours and pages of rich content on this site I learned about this strange concept ( and risky at the time? ) called APP Spree.  Well, I pulled the trigger in one weekend and got approved for 5-7 prime credit cards.   

 

Looking back I have First Premier to thank for in reminding me to apply for new cards. If they had eliminated my AF I probably would have been with them still today.   

 

A year ago my scores were in the middle or high 500s.  After negotiating a few baddy TLs my scores jumped into the 600s. While in the low 600s it seemed like an eternity.  No matter what I did my scores didn't seem to move.  

 

I'm glad to report that things are different today.  I feel so much empowered by the information we find on Myfico.  Depending on my objective I feel I can literrally customize my FICO scores to be anywhere I want in the range of 700-800.  By paying this off I can get this score; by increasing debt there I can get a CLIs; by doing this I can increase my AAoA; by not doing that my scores wll jump 30 points; and on and on....

 

It's a wonderful feeling to be able to actually control your credit life.  

 

 

 

 

Discover IT $12,500 == 12/2013
AMEX 12/2013 ---BCP $11,000 === 12/2013 -----BC $8000 ====04/2014
CHASE SLATE $5,700 === 12/2013
BoA 123 $6000 === 12/2013
Barclay Rewards $1500 == 12/2013

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.