topic Re: Reports are FINALLY clean as a whistle!! 😁 in Understanding FICO® Scoring

Reports are FINALLY clean as a whistle!! 😁

credit_endurance — Sun, 05 Jul 2020 19:25:56 GMT

Bored this morning after last night's festivities. Decided on a hunch to check wallet hub (specifically) the payment history section and noticed my history finally improved to 100%. Knowing this could be a good sign checked in on CK for a fresh update and went straight to their payment history and it was 100% as well.😀 Then needed to head over to the real source and pulled a fresh (3) CB report through experian credit works and my hunches where indeed confirmed TU report is now dirt free!! Got a nice modest boost as well 42 points! Would have been higher if not for a couple recent PL's reporting but this score will be even higher once some older cc balances update. Still not too shabby and to finally be free of negs is such a great feeling. It has been a very long journey to this point but mission accomplished and what a joy it is to share with a community that has played such an integral part in my sucess. Thanks fico family!! 😉

Re: Reports are FINALLY clean as a whistle!! 😁

AllZero — Sun, 05 Jul 2020 19:58:23 GMT

Congratulations on your success!

Re: Reports are FINALLY clean as a whistle!! 😁

credit_endurance — Sun, 05 Jul 2020 20:27:18 GMT

@AllZero Thanks so much!!

Re: Reports are FINALLY clean as a whistle!! 😁

Anonymous — Sun, 05 Jul 2020 20:30:45 GMT

YAY! congratulations. I remember that feeling of being free of negative derogs.

Re: Reports are FINALLY clean as a whistle!! 😁

lhcole77 — Sun, 05 Jul 2020 20:53:08 GMT

Yesssss @credit_endurance ! That is such a good feeling!! I still remember when I pulled my first neg-free report.

Congrats on your success and tenacity. Enjoy the perks that come with higher scores

Re: Reports are FINALLY clean as a whistle!! 😁

RadioRob — Sun, 05 Jul 2020 21:02:42 GMT

Congrats!! An awesome feeling indeed!

Re: Reports are FINALLY clean as a whistle!! 😁

kilroy8 — Sun, 05 Jul 2020 21:08:11 GMT

So happy for you! Nice accomplishment.

Garden + low cranberry will have those > 800 in no time.

Re: Reports are FINALLY clean as a whistle!! 😁

Anonymous — Sun, 05 Jul 2020 22:52:42 GMT

Awesome work @credit_endurance ! Congrats!

Re: Reports are FINALLY clean as a whistle!! 😁

Hex — Sun, 05 Jul 2020 22:53:17 GMT

@credit_endurance

Good for you! It must feel great! Are you going to change your name now?
curedcreit

healedcredit

intactcredit

I'll work on it and get back to you....

Re: Reports are FINALLY clean as a whistle!! 😁

credit_endurance — Sun, 05 Jul 2020 23:35:13 GMT

@Anonymous wrote:
YAY! congratulations. I remember that feeling of being free of negative derogs.

Thanks @Anonymous!! Smiles for miles! 😁

Re: Reports are FINALLY clean as a whistle!! 😁

credit_endurance — Sun, 05 Jul 2020 23:37:23 GMT

@lhcole77 wrote:
Yesssss @credit_endurance ! That is such a good feeling!! I still remember when I pulled my first neg-free report.

Congrats on your success and tenacity. Enjoy the perks that come with higher scores

Thanks so much @lhcole77!! It was a mountain well worth climbing my friend!

Re: Reports are FINALLY clean as a whistle!! 😁

credit_endurance — Sun, 05 Jul 2020 23:38:24 GMT

@RadioRob & @Anonymous thanks so much for the well wishes and support!!

Re: Reports are FINALLY clean as a whistle!! 😁

credit_endurance — Sun, 05 Jul 2020 23:39:52 GMT

@kilroy8 wrote:
So happy for you! Nice accomplishment.

Garden + low cranberry will have those > 800 in no time.

@kilroy8 Now that sounds like a masterful plan indeed! Thanks so much! 😁

Re: Reports are FINALLY clean as a whistle!! 😁

credit_endurance — Sun, 05 Jul 2020 23:43:23 GMT

@Hex wrote:
@credit_endurance
Good for you! It must feel great! Are you going to change your name now?
curedcreit
healedcredit
intactcredit
I'll work on it and get back to you....

Thanks @Hex!! You know I really hadn't given that much thought now that you mention it. 😆😂 I certainly should consider a name change. Might have to take some of your suggestions into consideration. Hey, feel free to send more (names) my way! I am sure one of them will grow on me.😁

Re: Reports are FINALLY clean as a whistle!! 😁

credit_endurance — Mon, 06 Jul 2020 02:15:09 GMT

@Hex Already went to work on changing everything up!

Re: Reports are FINALLY clean as a whistle!! 😁

Hex — Mon, 06 Jul 2020 06:28:27 GMT

@credit_endurance

I was confused for a minute until I realized that you did change your name! That's fantastic! A new fitting name for the next stage of your credit life (can't really call it a rebuild anymore). I think the new name is perfect! Great work all around!

Re: Reports are FINALLY clean as a whistle!! 😁

credit_endurance — Mon, 06 Jul 2020 13:44:47 GMT

@Hex wrote:
@credit_endurance
I was confused for a minute until I realized that you did change your name! That's fantastic! A new fitting name for the next stage of your credit life (can't really call it a rebuild anymore). I think the new name is perfect! Great work all around!

Thanks @Hex! I had persisted_perservered credit picked out but it was to long 😆🤪 So settled in for this one.

Re: Reports are FINALLY clean as a whistle!! 😁

Hex — Mon, 06 Jul 2020 17:16:19 GMT

@credit_endurance

credit_endurance is much better. I'm surprised it wasn't already taken. I'm super happy for you. Most people don't understand how hard rebuilding is but I do. You should be very proud.

Re: Reports are FINALLY clean as a whistle!! 😁

SouthJamaica — Mon, 06 Jul 2020 21:09:55 GMT

@credit_endurance wrote:
Bored this morning after last night's festivities. Decided on a hunch to check wallet hub (specifically) the payment history section and noticed my history finally improved to 100%. Knowing this could be a good sign checked in on CK for a fresh update and went straight to their payment history and it was 100% as well.😀 Then needed to head over to the real source and pulled a fresh (3) CB report through experian credit works and my hunches where indeed confirmed TU report is now dirt free!! Got a nice modest boost as well 42 points! Would have been higher if not for a couple recent PL's reporting but this score will be even higher once some older cc balances update. Still not too shabby and to finally be free of negs is such a great feeling. It has been a very long journey to this point but mission accomplished and what a joy it is to share with a community that has played such an integral part in my sucess. Thanks fico family!! 😉

Good job. Congratulations.

Re: Reports are FINALLY clean as a whistle!! 😁

credit_endurance — Mon, 06 Jul 2020 22:04:10 GMT

@Hex wrote:
@credit_endurance
credit_endurance is much better. I'm surprised it wasn't already taken. I'm super happy for you. Most people don't understand how hard rebuilding is but I do. You should be very proud.

Me too! And thanks for the support in getting the ball rolling on me changing things up! 😁