topic Re: UPDATE in Credit Cards

UPDATE

Anonymous — Mon, 19 Nov 2007 20:29:35 GMT

JUST WANTED TO LET EVERYONE KNOW HOW THINGS ARE GOING NOW. I HAVE COME ALONG WAY BUT STILL HAVE NOT PULLED SCORES YET. I HAVE LISTED ALL OUR INFO BELOW FOR YOU.

MINE

BADDIES GOODIES

PUBLIC RECORD 1 INSTALLMENT LOAN

BANKRUTYCY 7YRS OLD AUTO LOAN

COLLECTIONS 1 REVOLVING

HOSPITAL BILL FOR 298.00 CONTINITAL FINACE C/L 500.00

IMAGINE C/L 300.00

CHARGE OFFS 2 LOWES (AU) C/L 725.00

AMERICREDIT HOOTERS (JOINT) C/L 1250.00

PESIDEO HSBC C/L 300.00

HUBBY

BADDIES GOODIES

PUBLIC RECORD INSTALLMENT

BANKRUTCY (7RYS OLD) AUTO LOAN

COLLECTIONS REVOLVING

SPRINT (STILL FIGHTING) HOOTERS C/L 1250.00

LOWES C/L 725.00

CHARGE OFFS IMAGINE C/L 500.00

AMERICREDIT (AUTO) CONTINENTAL C/L 300.00

LVNV FUNDING (WAMU)

I HAVE SENT OUT DV LETTERS FOR LVNV AND PRESIDEO JUST WAITING TO HEAR BACK FROM THEM. ANY INPUT WOULD BE GREAT. JUST HAD LIKE 4 ITEMS DELETED IN THE LAST WEEK OFF MINE. SO THIS IS INFORMATION AS OF 17 NOV 2007. I AM WAITING TIL NEXT WEEK TO PULL MY SCORES AGAIN. THANKS FOR ALL THE HELP YOU HAVE GIVEN ME ALONG THE WAY.

DEBBIE

Re: UPDATE

Anonymous — Mon, 19 Nov 2007 23:46:40 GMT

good luck with sprint, they are a nightmare!

Re: UPDATE

kclb — Mon, 19 Nov 2007 23:48:04 GMT

@Anonymous wrote:
good luck with sprint, they are a nightmare!

I agree with you on that one. Sprint can just go bankrupt or just die. lol.

Re: UPDATE

future — Tue, 20 Nov 2007 04:20:49 GMT

congrats on the 4 deletes

Re: UPDATE

Anonymous — Tue, 20 Nov 2007 05:03:00 GMT

WTG!!! On the deletes. Let us know what your scores do after they get updated.

Re: UPDATE

Anonymous — Tue, 20 Nov 2007 08:00:49 GMT

Congratulations!

It's always great to see progress

Re: UPDATE

Anonymous — Tue, 20 Nov 2007 12:58:27 GMT

We did a paid for delete and paid in full (it was the early termination fee) but they are saying we still owe 25.00 and taking there time to delete it. By the way we bought a car last night and the dealer ship said our Transuion FICO score came back his is 689 and mine is 672. We were able to go with GMAC and was told that if we keep up our payments with them and keep going like we have been that GMAC will also do our New Home purchase in about 6 to 9 months. Man I cant wait. It was so nice to have a Sales person treat us the way they did last night instead of sticking there nose up at us. Our Equifax came back at his is 612 mine, is 581 I have that Judgement on that one and they are being a pain getting it removed but I had it removed from my other 2 and all 3 of my husbands. I dont like Equifax they are a pain to deal with.

Debbie

Re: UPDATE

Anonymous — Tue, 20 Nov 2007 13:34:54 GMT

Congrats- I hope they gave you 0% financing

BTW- Judgment does not have an E in the middle.

@Anonymous wrote:
We did a paid for delete and paid in full (it was the early termination fee) but they are saying we still owe 25.00 and taking there time to delete it. By the way we bought a car last night and the dealer ship said our Transuion FICO score came back his is 689 and mine is 672. We were able to go with GMAC and was told that if we keep up our payments with them and keep going like we have been that GMAC will also do our New Home purchase in about 6 to 9 months. Man I cant wait. It was so nice to have a Sales person treat us the way they did last night instead of sticking there nose up at us. Our Equifax came back at his is 612 mine, is 581 I have that Judgment on that one and they are being a pain getting it removed but I had it removed from my other 2 and all 3 of my husbands. I dont like Equifax they are a pain to deal with.
Debbie

Re: UPDATE

Anonymous — Tue, 20 Nov 2007 13:54:09 GMT

Sorry Timothy. I am kinda excited still this morning on how things went last night. We did get a great deal on the Car. It is used but only has 44000 miles on it. It looks brand new inside and out. I want to pull our scores from myfico but kinda on edge about that. I think I might wait until my CC update since I just paid on them and brought them down to 1% of the CL. We still have along way to go to get in the 700 club but not giving up. I know this hurt my DTI but that will change soon.

Thanks,

Debbie

(Finally something to smile about)

Re: UPDATE

Anonymous — Tue, 20 Nov 2007 14:06:59 GMT

That is great -
Playing the game -

Congats

@Anonymous wrote:
Sorry Timothy. I am kinda excited still this morning on how things went last night. We did get a great deal on the Car. It is used but only has 44000 miles on it. It looks brand new inside and out. I want to pull our scores from myfico but kinda on edge about that. I think I might wait until my CC update since I just paid on them and brought them down to 1% of the CL. We still have along way to go to get in the 700 club but not giving up. I know this hurt my DTI but that will change soon.
Thanks,
Debbie
(Finally something to smile about)

Re: UPDATE

Anonymous — Tue, 20 Nov 2007 14:16:09 GMT

I am trying to. I get reminders weekly when my teenagers keep asking questions and I have to make sure to give them the info I have learned so they dont make the same mistakes. Now I have there friends (Seniors in High School) coming to me for advice for them and their parents. I tell them what I have learned and make it simple to follow. Keep CC's between 1 and 9 %; pay on time or early; never ever be late; do not charge what you cant pay off each month if you had to and you will have great credit. They are my 4 things to live by now and we work on them each day to make sure we obey those house rules.

Thanks for the help all you have given to me and the ones I can pass it on to.

Debbie

Re: UPDATE

Anonymous — Tue, 20 Nov 2007 15:09:18 GMT

Congrats nikko! Well done on the deletes.

Keep up the good work, and please let us know of your new scores.