Valued Contributor
Posts: 2,659
Registered: ‎04-25-2011
Re: App itch, sad denials, and a ghostly wage garnishment--BAD WEEK

RecoveringShopaholic wrote:

Thanks Scott!  Wow when you're thinking that you have it bad...I'm going to take your optimism and hopefully make it my own.  I as well am in the home buying process (albeit very early)  I worried that I didnt have enough open tradelines but im done apping.  My ego cant take the disappointment.  Good luck!

Yeah-- Ego plays a big part in this whole process.. just gotta try to keep it tempered.


I remember when I got this nice big boy job I have now 4 years. I was SO upset when people wouldn't let my buy a car, a home, give me credit.. I had destroyed my credit for years and I remember thinking, well, ya know, I have money now, why shouldn't I be welcomed with open arms?!!??! I had the money to afford a 200k house, a 20k car. Why wouldn't they give it to me?


Then I found out all my fico scores were under 500.... OOPS.


I spent about 18 months doing this now, and I am STILL doing it. Although I am much closer to where I want to be, I still have some baddies, I still have some tendancies to want to go after something I probabaly shouldn't, and I have to obsess over my bills almost daily to keep me on top of them..


This isn't easy. It hasn't been easy.. I will say though, in a narriscistic way, it has been fun. I have loved this challenge from day one...



Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX