I will preface by saying my results are not typical. And I hope this helps inspire others to know there is light at the end of the tunnel. Sometimes sooner than you think! It is amazing to be where I am today and I am immensely grateful.
Filed 11/2019 (Scores were mid 500s)
DC'd 2/2020 (within 30 days of DC scores were low 600s)
Cards within 30 days of DC:
-Cap1 Plat $3000
-PayPal Credit $2500
-Mission Lane $750
-CreditOne $700
-Ollo $500
Was also an AU on:
-Citi Double Cash $4700
-Amex Delta SkyMiles $31800
For Installment:
-Auto Loan (local credit union 8%, new loan not a reaffirm)
-Student loan payments kicked backed in as well
Today my FICO 8 scores are:
EQ: 701
TU: 687
EX: 685
Interesting enough.. FICO 9 shows:
EQ: 747
TU: 730
EX: 704
I am using the AZEO method and util is 1-9% on one card. All of my collections fell off. In fact, many of my accounts were deleted rather just marked IIB. I attribute getting some TLs removed by disputing any inaccuracies right after DC. YMMV. The DOFD on most of my debt was from early 2015. I always suspected that once you have an IIB notation the DOFD does not matter. That appears false. I honestly may have tried to ride out the SOL but I had some tax debt a good chunk of the debt was also a credit union who were getting aggressive.
For now, I am letting time do its thing while I wait the two years to get another mortgage. I am content with where and what I have and time will be my friend.
Congratulations on your success!
Nice, it's taken me over a year and a half to finally see 700. Contgrats!
Congratulations 🎈🎉🍾🎊 You're doing very well with your rebuild. Thanks for the DP.
Nice.
30 day post DC
60 days post DC
94 days post DC
@Fx6cowboy wrote:Nice, it's taken me over a year and a half to finally see 700. Contgrats!
Same here, almost 2 years.
