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Some CLI love

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Anonymous
Not applicable

Some CLI love

Ive been in the garden for 6 months or so now, so I got bored and smashed some love buttons.

Kohl's grew from $1,000 to $2,500
Disovcer IT grew from $8,500 to $12,500
Home Depot (didn't realize it was a HP, so I'm kinda kicking myself) grew from 2,000 to $10,000.

Hoping the decreased utilization will counteract the hard pull, but I'm pretty happy regardless. January of last year I started my rebuild after collections, late payments etc. My score was a 495 on credit karma. Since then I now have 50k+ in credit, I've purchased a home for my family, and have gotten my scores to 715+ across the board. I've thanked the people on these forums countless times, and continue to thank every last one of you. Honestly couldn't have done it without you guys!

My next goal comes in March when my car payments are done. I bought a 2008 used car 5 years ago for $12,999. Unfortunately due to my credit I've been paying 19% interest, so after my final payment the car cost me 24k. I think I may cry when I get approved for my next car loan at a reasonable rate, and probably pay the same, if not less, per month lol

Again, thank all of you from just random readers to everyday contributors. You all are incredible
Message 1 of 5
4 REPLIES 4
thornback
Senior Contributor

Re: Some CLI love

Huge congrats on your CLIs and rebuild successes!! Keep it going...
Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 5
Anonymous
Not applicable

Re: Some CLI love

Congrats on your successful rebuild so far. Great inspiration. And congrats on the CLI!

Message 3 of 5
AverageJoesCredit
Legendary Contributor

Re: Some CLI love

Outstanding workSmiley Happy Enjoy Smiley Happy
Message 4 of 5
GApeachy
Super Contributor

Re: Some CLI love


@Anonymous wrote:
 I think I may cry when I get approved for my next car loan at a reasonable rate, and probably pay the same, if not less, per month lol


Yeah, and now you have some power and control when deciding...feels good huh?  Congrats on everything!!!!

My Take Home Pay Don't Take Me Home
Message 5 of 5
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