topic WHAT A FEELING! in General Credit Topics

WHAT A FEELING!

Anonymous — Sat, 16 Jun 2007 03:12:03 GMT

Does anyone feel like they walk a little taller since getting their credit back on track? Ever since I was approved for a prime credit card, then another, then another I feel like I can hold my head up a little higher. Now I help my friends with their credit issues.

Re: WHAT A FEELING!

Anonymous — Sat, 16 Jun 2007 03:47:19 GMT

Totally :-) Congrats!

Re: WHAT A FEELING!

Tuscani — Sat, 16 Jun 2007 04:46:59 GMT

Congrats!

Re: WHAT A FEELING!

MidnightVoice — Sat, 16 Jun 2007 14:27:14 GMT

Congrats. And I feel a tad dirty, because a significant part of the last 6 months has been increasing my score by playing the game, not by being fiscally responsible. That got me not very far for 6 years

Re: WHAT A FEELING!

smallfry — Sun, 17 Jun 2007 10:51:51 GMT

Congrats OP.

Re: WHAT A FEELING!

lyndon2446 — Sun, 17 Jun 2007 17:23:05 GMT

Congrats! I started june of 2006 my fico was 406, to date my high score is 647 can't wait to join the 700 club....

Re: WHAT A FEELING!

Tuscani — Sun, 17 Jun 2007 19:32:30 GMT

lyndon2446 wrote:

Congrats! I started june of 2006 my fico was 406, to date my high score is 647 can't wait to join the 700 club....

Great progress in a year! Congrats!

Re: WHAT A FEELING!

Anonymous — Sun, 17 Jun 2007 21:32:22 GMT

@MidnightVoice wrote:
Congrats. And I feel a tad dirty, because a significant part of the last 6 months has been increasing my score by playing the game, not by being fiscally responsible. That got me not very far for 6 years

Well as they say, don't hate the playa, hate the game. You did what you had to do...we didn't invent the credit system.

Re: WHAT A FEELING!

lyndon2446 — Sun, 17 Jun 2007 21:51:39 GMT

thanks, i have to say i love this credit repair addiction and enjoy this forum, very informative. i am 6yrs out of bk. there is light at the end of the tunnel!!!

Message Edited by lyndon2446 on 06-17-2007 02:51 PM

Re: WHAT A FEELING!

Anonymous — Mon, 18 Jun 2007 00:15:45 GMT

i am still slinking just a little, but a year or so ago i was hiding in a cave up a holler' afeared that someone would find out my credit scores were in the 400's. 700's within a year or bust.

Re: WHAT A FEELING!

Anonymous — Mon, 18 Jun 2007 13:56:37 GMT

Wow, Congrats! That's a big improvement in just a short period of time!

Re: WHAT A FEELING!

Anonymous — Mon, 18 Jun 2007 14:56:28 GMT

thanks. i first started watching my scores in april of 06....at the time i was in the 400's due to a bunch of baddies that happened in '99-'01, right after i got divorced. from february of '01 forward i picked up a few subprime ccs, rehabbed my student loans and got an auto loan in '05 (at a horrible 18%, but now refied at a bearable 8.75), no lates on anything but 40-50% utilizations on the revolving credit. i thought that alone would put me over the top. when i checked my scores in 06 (after 5-6 years of good management), i was shocked to see that i was in the 400's. within the past year, all of the baddies except for 6-7 fell off. these 6-7 will be off by january 08. i am hoping for a few jumps each month up to january '08. the bad thing is that i did not know that i needed to have my utilizations between 1-9% and that i needed to have some more positive tl's. sooo, last week i added some revolving accts--i am going to set them up to autopay some small monthly recurring bills, then set up my debit card to autopay the revolving accts off right after they report each month. i am expecting an inital drop with the new accts, but hopefully they will start looking good by jan '08 when i have NO baddies on my report. YAY!

Re: WHAT A FEELING!

Anonymous — Mon, 18 Jun 2007 15:01:58 GMT

Congratulations! There is a definite change in my attitude now that I've gotten to the point where I can actually get a new car and a credit card and let's not forget actually answer the phone. I think the biggest thing the improvements have helped me with is knowing that I have control over my life, my finances and what I do with them. I always avoided knowing how bad my credit score was, how much I owed and how much worse my avoidance was making it. Now that I know my situation inside and out, I can deal with it much more appropriately.

Re: WHAT A FEELING!

Anonymous — Mon, 18 Jun 2007 15:07:13 GMT

forgot to mention that i recently had a significant drop in score on equifax (around 50 points) and am waiting for the same to happen with other two cra's. i believe this was due to being slammed onto a different scorecard (as nothing changed on my report). that is what brought me to these forums. if not for the helpful advice here, i probably would have said screw it and given up on monitoring and repairing my credit!

Re: WHAT A FEELING!

Anonymous — Mon, 18 Jun 2007 15:10:40 GMT

well said, princess. congrats on your escape from the black hole!