Recent Scores

[TryingVeryHard]

I dropped some score points, but I dont care (for now), I am glad that I am finally out of the 500s zone. I am in the 610-631. New goal to get into the 640-680. God help me!

Action taken:

1. Cut home depot credit cards into 4 pieces. I enjoyed it.
2. Cut the first premier back into 6 pieces. I have 90% UTl with my 250 credit. Yike!

3. Cut the OLD NAVY store card into 8 pieces. I have 21% UTI. I will not get replacement, until PIF.

I have 80-90% UTI @ my 1000$ Hooters. I want to CUT it into two also, but want to PAY IN FULL FIRST. So, for now, I let it go inside my sock drawer.

I WILL NOT USE MY CREDIT CARD THIS MONTH!

Message Edited by TryingVeryHard on 02-04-2008 06:17 PM

[Anonymous]

woohoo!  Good job and good luck!

[Anonymous]

Way to go!!!!! if you don't mind me asking what did you dispute on EQ to get that score bump that high in one month?

[TryingVeryHard]

Some old credit inquiries (2) were removed (actually its changed from HARD to SOFT), one collection (very recent) was removed!

[Junejer]

Nice move on EQ TVH. Congrats.

[Anonymous]

looking good

[Anonymous]

Nice work Trying - you will need to change your screen name soon after your hard work pays off further !

[braznyc]

Congrats!

Are you the poster who had issues with Tax Liens? If so did you ever get them removed, and did this help in your score? If not just disregard my questions.

[miay2k4]

Nothing like the sweet smell of SUCCESS

[TryingVeryHard]

My tax lien issues did not make it to my report. The tax rep said if i made settlement or agreement, I am like stopping them from reporting. So, I agreed to 150$ a month installment.

I still have 5000$ to pay from that tax obligation, but I am getting there. I am more motivated to work and pay out. I also realized that if I use my card to pay for this monthly agreement, I will be able to pay the IRS, build strong payment history and discipline myself with unnecessary shopping.

Thank myFICO guys. All of those who helped me, thank you very much!