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Hello My Name is Smarty0103
I have 5 charge offs, 6 collections, and 2 judgments
After years and years of being misinformed and irresponsible, I am currently in repair mode.
My name is QAMngrGirl
One baddie left, a CO that's $0 Paid but HSBC is not cooperating with any GWs. Won't fall off until 2015 =/
Oh, and too many inquiries on EX & EQ, none on TU
Edited to add accomplishments since I have joined myfico:
Got the courage to call the ph# on the "app pending" screen for Discover & got it!
Learned and have been diligently used GW letters/emails
Set and met personal financial credit goals (small but important), and keep going forward
Realized it's OK to close a card that benefits me in no way at all
Not one denial since I joined, I have been able to research what requirements are needed, what cards benefit me, etc.
"...Inigo Montoya. You killed my father. Prepare to die."
Sorry. I couldn't resist
* 4 paid State Tax Liens from 2007, 2008, 2009, and 2010 -- Waiting for them to age off
* 1 HUGE unpaid repo -- However, I just got a 1099 that I filed with my taxes (goodbye refund!)
* 1 PITA collection from Portfolio -- sent PFD without any response from them
Since I've joined the forum -- I've successfully rehabbed my student loans, gotten a PFD from RJM, used HIPAA to remove a medical collection, and corrected 2 errors in reporting on my credit report.
Thank you for starting this thread. I love the support this forum provides!
My name is fused.
I had numerous lates, charge-offs and collections. My scores were horrible!
Today, I have three squeaky clean reports. I'm finished with repairing and rebuilding my credit, it was a long journey, especially the rebuilding. My FICO scores are 800+ with a credit history just two months shy of 25 years and an AoAA (average age of accounts) of 10 years.
@fused wrote:My name is fused.
I had numerous lates, charge-offs and collections. My scores were horrible!
Today, I have three squeaky clean reports. I'm finished with repairing and rebuilding my credit, it was a long journey, especially the rebuilding. My FICO scores are 800+ with a credit history just two months shy of 25 years and an AoAA (average age of accounts) of 10 years.
What a reunion! First Byrdman now fused.
Hello! my name is KTL72455, I started out paying CA and then found this forum, boy have things changed for the better since then!!
I started with:
2 AU on DH CCards, none of my own
1 Tax Lein ( paid in 2008)
2 CO ( cap 1)
3 Judgements
3 AU Charge offs showing
3 medical CA
1 utility CA
1 Verizon CA ( afni) paid off next month
1 Forclosure
I now have:
4 CC 400, 550, 300, 300 & 1 FH/300 Plan to keep all zero balance becuase of being AU on DH 2 CC.
2 AU on DH
1Forclosure ( drops 2016)
1tax lien (drops 2014)
3 Judgements ( 2 will be removed after paid March 8th)
2 CO (drops 2015)
1 Verizon CA ( afni) paid off next month
I will keep GW the CO until they drop in 2015 :-)
@guiness56 wrote:
@fused wrote:My name is fused.
I had numerous lates, charge-offs and collections. My scores were horrible!
Today, I have three squeaky clean reports. I'm finished with repairing and rebuilding my credit, it was a long journey, especially the rebuilding. My FICO scores are 800+ with a credit history just two months shy of 25 years and an AoAA (average age of accounts) of 10 years.
What a reunion! First Byrdman now fused.
Don't forget scamp and whirledpeasplease just made an appearance!
Hiya fused!
This is good!!!! Keep it up! Bump
Mmmlive1999
I have :
- 2 tax liens ( 1paid/1 unpaid),
-1Charge off,
-1 Reop,
-3 Collections
......and this is a huge improvement from before