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Genius' Credit Rebuild

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Anonymous
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Re: Genius' Credit Rebuild

Message 21 of 34
Anonymous
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Re: Genius' Credit Rebuild

Message 22 of 34
Anonymous
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Re: Genius' Credit Rebuild

Will NFCU ever forgive me?  7 year old Charge off nRewards Visa $5k limit.  Ouch.  Hate this.  Regret it.  Here's the thread!

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Will-NFCU-ever-forgive-me/td-p/5130801

Message 23 of 34
Anonymous
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Re: Genius' Credit Rebuild

OC recalls debt from CA, and then removes from CR!  After PIF, or at time of PIF.

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/OC-Recall-of-debt-reported-by-CA/td-p/5130745

Message 24 of 34
Anonymous
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Re: Genius' Credit Rebuild / NFCU Charge Off / Mortgage

First data post, asking questions, remarks re:  mortgage and not adding to credit profile!

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/NFCU-nRewards-CC-5k-Charge-Off/td-p/5125258

Message 25 of 34
Anonymous
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Re: Genius' Credit Rebuild

Message 26 of 34
Anonymous
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Re: Genius' Credit Rebuild

Message 27 of 34
Anonymous
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Re: Genius' Credit Rebuild

Took my BoA secured card from 71% to 20%.  Hit Experian Today.  21 point score jump.  Capital one UTLfrom 33% to 0%.  Has yet to hit.  Hoping for at least another 10 point jump.

 

Hope it hits tomorrow!  WooHoo!

Message 28 of 34
thornback
Senior Contributor

Re: Genius' Credit Rebuild

Congratulations!!
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 29 of 34
Anonymous
Not applicable

Re: Genius' Credit Rebuild

2nd card util down from 33% to 0%.  Hit the bureaus today.  Good for another 5 point bump.  Total util today at 16.5%.  So, next month total util to 1-2%.  Carry balance on only one card!

 

I can't AZEO.  I need another card.  Waiting to close on mortgage march.  Then, we'll see what happens.

 

If scores don't drop too much, I'll be apping.  Especially, since all CAs are off and CO should be gone from all 3 bureaus close to that time.  My AAoA will suffer, but reports will be clean!

Message 30 of 34
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