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

RecoveringShopaholic wrote:

I swear you're in my biography. Same here, big girl job, low 6 figures and couldnt get a 15k car!  lmbo....Time to put on my big girl panties and put in some more work.  Not giving up! I know i can be over 700 in couple months.  This aint a race most definitely its a marathon.  I hover over bills as well its almost a sick obsession.  I hope its a life change though. Dont ever want this feeling again. 

I agree.. I hope it is a life change too.. At least I know now how the whole game works, how the lenders use the FICO, my finances..


I feel like the time I have spent on this forum has actually put me ahead of most consumers now as what to do and what not to do to make my dreams a reality..



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