Re: Getting past procrastination?

BarryNTexas · ‎02-13-2014

For my 101st post on MyFico I thought I would ask for some wisdom from those that are already into repair/rebuilding their credit journey.

How did/do you get past the procrastination? I feel overwhelmed and quite down about my files, even though I have credit lines, I can't imagine how I will tackle this.

I've considered hiring a service for this but that seems like a waste of money!

I'm 50 something and need some feedback from the youngins out that in the middle of this as well! BTW - I don't drink Red Bull... TIA

Shogun · ‎02-13-2014

Mine was quite easy. I"m in my 40's and now have a bit of OCD. I can't help but work on it.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

SantanzChild · ‎02-13-2014

My wife decided we needed to buy a house... If I ever want to sleep in peace again I need to make that happen and that requires getting the crap done.

ktl72455 · ‎02-13-2014

I wanted a car from a lot and not a buy here/pay here which was high milage and dint help my credit score plus we wanted to move and beable to finance a home.

I started going through my " ignore it box" and started paying off old collections. Then did a search for middle Fico score and landed here! I was like you...overwhelmed and stalled and put off out of fear!!

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

BarryNTexas · ‎02-13-2014

Great motivator! Good luck..

BarryNTexas · ‎02-13-2014

Thanks for sharing! I will kick it into gear. Keep the stories coming!

@ktl72455 wrote:
I wanted a car from a lot and not a buy here/pay here which was high milage and dint help my credit score plus we wanted to move and beable to finance a home.

I started going through my " ignore it box" and started paying off old collections. Then did a search for middle Fico score and landed here! I was like you...overwhelmed and stalled and put off out of fear!!

ktl72455 · ‎02-13-2014

I was stuck sending GW letters becuase I had already paid off collections but was rewarded nicely by just digging in and set fear aside. Here's my new car :-) You can do it!!!

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

meehan22 · ‎02-13-2014

Mine was getting involved in the family real estate and rental business. I hope to purchase not only my first home but a duplex, triplex, or four plex (with one unit being my own) by the end of summer.

Wallet: Chase $6,000 - Discover $1,500 - Walmart $2,200 - Voyage FCU $1,300 - Zales $2,300 - Elan Fin: $12,500(AU, reporting) - Chase $8,500 (AU, reporting) 1% UTL

Getting past procrastination?

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Getting past procrastination?