Established Member
Posts: 30
Registered: ‎11-12-2011
Re: BK7 - My plan, a few questions, & suggestions are desired. :)
[ Edited ]

Thanks for everyone's suggestion on the auto loan. I decided I would do a cash car because the money they would charge me in interest is money I could use toward my CLI for my secured cards which I plan on having soon after vehicle purchase.


Good news I have received a few updates IIB SW but the interesting thing about it ....ALL updates say "Close By Consumer, Paid As Agreed $0 Bal H/C reported as CL" all Derog reporting removed from those already updated. I am a little shocked, but nonetheless... I am HAPPY! I have received a little bump in Fico (approx 10pts EQ SW Alerts). I cannot wait for more to updates. I hope they all update the same way. 


I would love feedback, suggestions, or experiences with this or if someone has seen the same thing happen to them.


I am only 10 days out of 341 Meeting and my discharge is not expected until March. I hope I don't have to do any fixes afterwards ... It would be a blessing to a have the CRAs report quickly and accurately for a change.


Until next post... Thanks again for ALL your support, warm welcome, and advice.




Hunni Smiley Happy

Current Scores: 564 EQ MyFico SW Alert 05/02/13; 640 TU Lender Pull 04/25/13; 581 EX VantageScore 03/15/13
Starting Scores: 443 EQ MyFico; 513 TU MyFico; 473 EX Lender Pull Date: 05/20/2012
Goal Score: 720+ Across the board By 07/2014 and Purchase House Dec 2014

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IN MY WALLET: Fingerhut $250; Capital One Unsecured Cash $500 ; Credit One Unsecured $300 Annual fee $85; Navy Federal Secured nRewards $1000 (1); Navy Federal Secured nRewards $1000 (2); Santander Auto Loan $18,000