Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!

[AI_JMV]

My last frontier was renewing my car lease this saturday, for which I kept all my subprime cards open.  Yesterday, I closed them, and locked my reports!! After my mortgage closed in january, and i got all the cards i wanted shortly after with a great SL, I am now fully rebuilt, zero debt (other than my mortgage and lease), and am in the garden permanently! My BK will fall off next summer, and I am officially on my way to a new credit worthy life.  HOORAY!!

I could not have done any of this without this board.  You all taught me so much.  God bless you all!!

[M_Smart007]

That is one Huge Hurdle, you have Conquered!

[gdale6]

Good work. 

[AverageJoesCredit]

Fantastic job! MyFico Fam 4 life!

[Green456]

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@AI_JMV wrote:

My last frontier was renewing my car lease this saturday, for which I kept all my subprime cards open.  Yesterday, I closed them, and locked my reports!! After my mortgage closed in january, and i got all the cards i wanted shortly after with a great SL, I am now fully rebuilt, zero debt (other than my mortgage and lease), and am in the garden permanently! My BK will fall off next summer, and I am officially on my way to a new credit worthy life.  HOORAY!!

I could not have done any of this without this board.  You all taught me so much.  God bless you all!!

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There is no better feeling than being debt free. I paid off $20,000 of CC debt earlier this year, now 4 more years until student loans are paid off. I too closed off a bunch of credit cards and have really slimed down my profile. It feels good. I will be gardening most likely until January 2020.

[5KRunner]

Congratulations on your rebuild, and keep up the good work!

[Jnbmom]

Yes I agree No better place to be then debt free.

Also it's great to close those cards. I remember when I closed my FP, the guy actually tried to explain FICO to me and asked if I knew how it worked and that closing my card would most definitely hurt my score😂

I replied how so, he went on with closing my account would hurt my age, umm no and that I would be losing some utilization, umm what my 750 limit again NO. He finally just said ok ma'am I will close it.

Giving me a lesson in FICO, yeah ok 😞

[Anonymous]

Congrats! 

[ChargedUp]

Way to go! It's great to hear about success stories like this

[CreditInspired]

Hi OP and Welcome
This is awesome news. A huge congratulations to being CC debt free and getting rid of the subprime cards. Life is good.