Re: Garden Club Meeting - January 2013
01-01-2013 07:49 AM
Happy New Year, health, wealth and good fortune to everyone @ the FICO forums.
It has been a two year credit recovery effort by me which started by getting my student loans out of default, paying off a few CA accounts, and getting a secured credit card with First Niagara for 500.00. The trip to the bottom is very quick, however the climb back to the top is slow and painstaking.
I thank everyone again who has posted,or answered my posts to help me regain my credit borrowing ability.
First Niagara (now unsecured) 2000
Discover Open Road 1200
Chase Freedom 5000
Walmart Discover 1800
Utilization is 3%
Im going to garden until @ least 6/2013,
On the wanted List:
Amex Green (hoping for backdating was an AU in 1987, still have Gold Card)
Penfed Signature Preferred
12/28 EX 745( FAKO)
12/28 DCU 742 FICO
12/28 WM TU 796 FICO
Walmart Discover 15k |CSP 14.4k | Penfed Cash Rewards 9k |DCU 7.5k | Chase Freedom 8k | FNFG 5k | Discover 6.4k| BOA 4k | BCE 3k