06-27-2012 04:54 AM
Hi....I am new to this site as of today. I went crazy in my 20s and spent most of my 30s not using or obtaining credit. I hope to buy a house in 2013, keep my credit utilization at 5-10% and build a nest egg. I will update this as I improve and move forward. Cheers to all!
06-27-2012 08:02 PM - edited 06-27-2012 08:02 PM
Hi PEACEANDLOVE and welcome to the forums.
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--MarineVietVet, myFICO moderator
06-28-2012 05:33 AM
Hello Everyone! I am so glad I found this forum. I had no clue about credit when I got my first card at 18. It was a student visa from bank of america. Fast forward to 2010, I was sued by Asset Acceptance because I defaulted that card. I was evicted and I have another collection on my credit report. I was jobless and that's why I was evicted. It's very frustrating but I am rebuilding. I applied for discover more and american express zync since I saw people approved with similar scores. Of course I was denied because of the collection and judgement. So, I am going to stop apping and just work with what I have to rebuild and show that I am responsible.
06-28-2012 09:28 PM
Hi there. I am new to the boards and am getting a late start in this year's challenge. I'm looking forward to making great changes! The feedback and support here is very motivating.. I can't wait to share some of my own successes.
I had some challenges as a teen/early 20's and struggled on and off with credit - trying to survive one day at a time. The biggest hit occurred in 08/09 during 18 months of unemployment and I've struggled (until now) to overcome the challenges in my report. I am quite excited about finally understanding the value in a good credit history and settling down and wisely purchasing a home in/within the next year or so.
06-29-2012 02:42 PM
Just found this site. Was turned down for a mortgage refi today b/c hubby and I need 640 fico scores. DH has: EQ 584, Exp 595, Trans 670 and I have EQ 567, Trans 587, Exp 589. I need help getting a 90 day Sallie Mae off my report as this is the only major setback. I was told that could ding me for 100 points. Everything else is on time (except a couple of med bills) Thanks for any help I can get!
06-30-2012 10:20 AM
It can be done, be patient and be diligent. I know, from personal experience.
06-30-2012 10:23 AM
I had Sallie Mae ding me, my student loans are in deferral, and they dinged me. I called them, we talked, they fixed it immediately. Call them, they really are great to work with, and will help you to resolve the issue.
06-30-2012 06:15 PM
Thank you for the words of encouragement!! I called them (Sallie.) They told me to write a note, with a copy of ALL 3 credit reports and an explanation as to why I shouldn't have a 90 day late. I was also in deferral until this 90 day late, however, they never gave me a 30 or a 60. I explained this to the rep who answered the phone, and the whole "write a note" response was what I was instructed (by them) to do.
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