Regular Contributor
bbrannan
Posts: 199
Registered: ‎12-11-2009
Experian CLEAN!!

This morning marks a huge milestone for me! The last negative item on my EX report finally fell off last night!! I woke up this morning to a BEAUTIFUL CLEAN EX report!!! Now, just waiting for it to fall off the other two. It was a paid CA from Assett Acceptance. Do not know if it bumped my FICO or not - but my USAA FAKO did not change. In any case, I was just excited that for the first time in over 10 years, I can finally say that I have a clean report again!!! And am going to do everything in my power to make sure it stays that way!! Thanks to all the help that I got reading this forum! You guys know what your talking about!!!

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


Take the FICO Fitness Challenge
Valued Member
irishpassion9702
Posts: 34
Registered: ‎09-20-2012
Re: Experian CLEAN!!

Woo Hoo and Congrats! I am in the same boat as you. Waiting for that last baddie to fall off at the end of the year. For years I avoided looking at my CR because it just depressed me. These days, I'm a tad bit addicted to looking at it. Can't wait to be like you with the beautiful clean report!

Frequent Contributor
novabama
Posts: 305
Registered: ‎08-24-2012
Re: Experian CLEAN!!

congrats! :smileyhappy:


Goal Score: 640 Good things come to those who wait.
Good things come to those who work their butt off and never give up.

Removals - Asset Acceptance, Receivable Solutions, LVNV Funding, Enhanced Recovery, Credit Systems Int, Discover Financial, Amchek/Amsher, Financial Adj Services, Chase, Target, AFNI, RJM, Portfolio Rec!
Regular Contributor
bbrannan
Posts: 199
Registered: ‎12-11-2009
Re: Experian CLEAN!!

@irishpassion9702 - I know what you mean. I used to get depressed when I would look at my reports too and think that there was no hope - what was the point? But then, something changed for me mentally and I took it as a challenge. To see if I could do it. And your right - it does get addictive. I am on these forums everyday reading. And when you finally get that last item to drop? I literally jumped out of my chair and did a little happy dance. (and let me tell you - it wasn't pretty! ha) So be sure and post when your final one drops at the end of the year! That will definitely be cause for a happy new year!

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


Take the FICO Fitness Challenge
Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012
Re: Experian CLEAN!!

Congrats!!

Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
Re: Experian CLEAN!!

congrats.  im also waiting for 1 baddie to fall off next year in nov.


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Frequent Contributor
fuzzybean
Posts: 302
Registered: ‎04-04-2012
Re: Experian CLEAN!!

Congratulations!  :smileyhappy:

Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011
Re: Experian CLEAN!!

A squeaky clean report, now that's reason for a happy dance!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Contributor
diabla
Posts: 230
Registered: ‎10-01-2012
Re: Experian CLEAN!!

Exciting!  It must feel like you won something, lol.  Good job!

Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012
Re: Experian CLEAN!!

Is there different moves to this happy dance than to mine???? You better bust out some new moves!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683