Redoing my journal to better organize myself.
Baddies:
Home depot $341 - 60 days late - 8/2012
Bank of America $754 - 120 days late - 6/2012
Capital One - $0 - 90 days late - 7/2012
TXU Energy - $110 - CO - 4/2012
Texas Guaranteed - $0 - Payment after CO - 10/2010
Texas Guaranteed - $0 - Payment after CO - 10/2010
Texas Guaranteed - $0 - Payment after CO - 10/2010
Costep Servicing - $0 - 120 days late - 5/2009
Costep Servicing - $0 - 120 days late - 5/2009
Costep Servicing - $0 - 120 days late - 5/2009
Prof Debt - $1920 - Collections - 4/2012
Cba - $81 - Collections - 2/2012
Bekmn Assoc - $774 - Collections - 1/2006
Current open accounts:
Capital One - $300 limit
Home Depot - $600 limit
Starting scores:
TU: 489 EQ: 471
I've sent PIF with GW to BoA and TXU. I've sent GW to the rest except for the collections. I'm a little worried about Prof Debt. I don't have the money to PIF. Should I set up a payment plan and then GW at the end? Save my money and PIF when I can? It's recent so getting sued is a possibility.
Thanks.
Starting Score: TU: 489 EQ: 471 12/8/2012
Absolutely. Set goals and try hard for those goals!!!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
| Alert: | Your FICO® score has exceeded your target score of 500 |
Score Watch alert/Changes to your FICO® Score
| Your FICO® score has gone up to 502 on December 16, 2012. |
| Target score alert: | Your FICO® score has exceeded your target score of 500. |
Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:
Baddies: Home depot $226 - 60 days late - 8/2012 Bank of America $0 - 180 days late - 6/2012 Capital One - $232 - 90 days late - 7/2012 TXU Energy - $110 - CO - 4/2012 Texas Guaranteed - $0 - Payment after CO - 10/2010 Texas Guaranteed - $0 - Payment after CO - 10/2010 Texas Guaranteed - $0 - Payment after CO - 10/2010 Costep Servicing - $0 - 120 days late - 5/2009 Costep Servicing - $0 - 120 days late - 5/2009 Costep Servicing - $0 - 120 days late - 5/2009 Prof Debt - $1920 - Collections - 4/2012 Cba - $81 - Collections - 2/2012 Bekmn Assoc - $774 - Collections - 1/2006
Current open accounts: Capital One - $300 limit Home Depot - $600 limit
Starting scores: TU: 489 EQ: 471
Current scores: TU:? EQ: 502
Unfortunately, BoA didn't delete the negative information. I'll try to GW them again sometime. Right now I'm thinking I really need to deal with "prof debt". I'm worried I'm going to get sued. |
On your way!!!
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
| Your FICO® score has gone up to 515 on January 6, 2013. |
| Target score alert: | Your FICO® score has reached your target score of 515. |
Your FICO score may have gone up because the following 4 factors are not hurting your FICO score as much as before:
I believe my BofA card was reinstated after I paid them which bumped up my available credit and helped my utilization. Also reported was my TXU payment was posted and is reporting less derogatory. |
It's moving in the right direction!
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
