topic Re: October might be the month... in Bankruptcy

October might be the month...

TRC_WA — Thu, 02 Oct 2014 15:58:33 GMT

... that I crack 700. 17 months post BK13 discharge.

I just had another CC report a $0 balance (that makes 7 of 9) and EQ went from 694 to 698. My UTI is spread across BB and BECU CC 0% promotions and I just made both payments yesterday that will be reported mid-month. I believe those 2 cards reporting the UTI decrease will put me over the top...

My profile is the same across all the CRA... EX lags behind because it still reports the payment history prior to BK. TU lags behind because all my creditors pull TU and I still have a dozen inquiries from all these new accounts the last half of 2013. (My last new CC was Dec 2013... the 2 INQ's this year were both BECU for a CLI and car refi) Once these inquiries age past 1 year at the end of 2014 I am expecting my TU score to catch up.

At any rate, it's exciting. I feel great about my credit profile and how far I've come since I started with that $1000 CapOne card in May 2013.

Re: October might be the month...

Creditwiser — Thu, 02 Oct 2014 23:13:42 GMT

Oustanding ! You have made awesome progress and you should be proud and definitely feeling good about it,. You're a great example on how focus,planning and determination can make a bleek situation in to a new begining. Thanks for sharing and best of luck going forward..

Re: October might be the month...

Scupra — Sat, 04 Oct 2014 05:16:52 GMT

Good job TRC! I bet that feels great haha. My EQ went up a point to 693 and I was doing flips lmao!