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it's been a while yall...

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Established Member

it's been a while yall...

i missed yall but ive been working on my credit, yay !


so just to recap:


i filed PRO SE in March 2018 and everything went smoothly and i was discharged in June 2018. my scores were horrible man...


so far this is how my credit went with 6 months of on time payments and patience


Capital One - $300 > $500 1/2019

Firestone - $1000 > $3200 1/2019

Milestone - 300 (this card is trash btw) no CLI

VS - 250 (Just to buy stuff really)


CPS Car Loan of 20k in 4/2018 but my car got totaled in December (not at fault) so I got another loan through RAC for 20k with a 15% IR. (i will refinance with my bank in June. My payments are 430 for a 2018 with 25k miles.


and my scores are (starting from discharge in 6/2018 until now)..


EX: 410 > 636

EQ: 405 > 645

TU: 403 > 625

Filed Pro Se: 3/2018 -- Discharge: 6/2018

Discharge Scores: All -450

Short Term Goal: 620 (645, 625, 636 01/2019)

Long Term Goal: 700+
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Super Contributor

Re: it's been a while yall...

Very nice. Congrats on your hard work and persistance to get your scores and credit file back up and keep rising the 700 club!. Now its time to fix your siggy for the new great updates! Smiley Very Happy

My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
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