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!
Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($13,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)
FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)
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.
11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
01/06/2015 Current - TU 831 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 09/07/2014
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