Valued Contributor
Posts: 2,659
Registered: ‎04-25-2011
Re: How young are you?

roxy382 wrote:
21. Would like to buy a home soon. I am married with two kids of my own and one step daughter that lives with me. I'm still a student (pre-law) but if everything goes as planned I will graduate from law school in May 2017! Besides the student loans the drop my aaoa every fall I should have built my credit up pretty well by then.

I am 34 -- When I was in my 20's like most of you are now, I was playing in rock bands, starting and quitting jobs, drinking lots of booze, and amassing all of those negatives you see in my signature... haha


Funny what a decade can do for perspective..



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