11-29-2012 03:44 PM
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!
Experian 737 Transunion 748-- May 2016
11-29-2012 06:10 PM
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.
05/28/2016 - EX 818 (Credit Scorecard EX FICO® Score 8, range 300-850)
05/20/2016 - TU 811 (Discover TU FICO® Score 8, range 300-850)
04/26/2016 - EQ 782 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 12/13/2015
11-30-2012 04:39 AM
Best wishes for continued success! And do remember the Reason for the SEASON, Merry Christmas and happy new year.
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