Established Contributor
aussiesareforever
Posts: 741
Registered: ‎10-04-2010
Content

It will be five years since I filed BK in January and I've finally reached the point where I'm content with my credit picture.

 

I don't have the best cards or the best limits but I've come a long way from where I started. I imagine better cards with better limits sometime in the near future but I'm currently content to wait and let time do its thing.

 

I put a security freeze on all three accounts tonight. My plan is to remain app free in 2013 and shoot for a mortgage in 2014. I am so thankful for a lot of things. A great job, wonderful friends, an improved credit portfolio and my friends on MyFICO.

 

I hope we all find what we are looking for as 2013 draws near. Thank you friends!

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Frequent Contributor
brother7
Posts: 380
Registered: ‎02-06-2009
Re: Content

Congratulations on your accomplishments! I bet things looked pretty daunting 5 years ago. Now look at you! When the BK finally drops, you'll be golden. :smileyvery-happy:


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
12/08/2014 Current - TU 823 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 09/07/2014
Valued Contributor
IOBA
Posts: 2,697
Registered: ‎08-13-2009
Re: Content

aussiesareforever -  thank you for sharing your great news and future plans!   Congratulations!

Established Contributor
bettercreditguy1
Posts: 760
Registered: ‎02-11-2012
Re: Content

Best wishes for continued success! And do remember the Reason for the SEASON, Merry Christmas and happy new year.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience