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I had been doing great...

Auto Loans for ANY Credit Situation. Immediate Response.
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Regular Contributor

Re: I had been doing great...

I paid progressive directly and Caine and Weiner just updated it to paid... oh well.

RE-BUILD 2.0

The good
1 revolver Amazon Sec Store Card $150 current
moneylion loan 368 bal current
carmax auto loan 12700k bal many lates
3 navient student loans 2500 tot bal current

The bad
9 CC CO ~8k
3 installment loan CO ~12400
2 med col ~700
1 CA 578 (CA on reports) have more not reporting.
Message 21 of 41
Regular Contributor

Re: I had been doing great...

Thank you very much!

I am really happy I didn't pull the trigger... someone suggested a small amount on the Amazon store card to get a revolver on there that I can't screw up too badly. So I put 150 on it. An amount that I have in savings just in case. Really don't use Amazon for anything so it isnt very tempting.

RE-BUILD 2.0

The good
1 revolver Amazon Sec Store Card $150 current
moneylion loan 368 bal current
carmax auto loan 12700k bal many lates
3 navient student loans 2500 tot bal current

The bad
9 CC CO ~8k
3 installment loan CO ~12400
2 med col ~700
1 CA 578 (CA on reports) have more not reporting.
Message 22 of 41
Regular Contributor

Re: I had been doing great...

just an update.

amazon prime secured card reported. 

Got a 50pt boost from it!

now the only things i have open are

carmax - 13,733 

3 student loans with navient totalling 2500 ish

and this amazon card with a line of 150

all current! 

i do not use amazon for nearly anything and will try to just have my prime account to be charged to it monthly and pay off. excited to see such a big increase and mentally in a great place to move forward responsibly. 

Smiley HappySmiley HappySmiley HappySmiley HappySmiley Happy

RE-BUILD 2.0

The good
1 revolver Amazon Sec Store Card $150 current
moneylion loan 368 bal current
carmax auto loan 12700k bal many lates
3 navient student loans 2500 tot bal current

The bad
9 CC CO ~8k
3 installment loan CO ~12400
2 med col ~700
1 CA 578 (CA on reports) have more not reporting.
Message 23 of 41
Moderator

Re: I had been doing great...


@ThetoriParadox wrote:

just an update.

amazon prime secured card reported. 

Got a 50pt boost from it!

now the only things i have open are

carmax - 13,733 

3 student loans with navient totalling 2500 ish

and this amazon card with a line of 150

all current! 

i do not use amazon for nearly anything and will try to just have my prime account to be charged to it monthly and pay off. excited to see such a big increase and mentally in a great place to move forward responsibly. 

Smiley HappySmiley HappySmiley HappySmiley HappySmiley Happy


Good progress so far. You do need 3 open revolvers to drive Fico and typically there is a bump for each of them opening but its up to you.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 24 of 41
Regular Contributor

Re: I had been doing great...

Yup! Working my way there.
I have cap 1 disc and Amex as a CO right now. So hoping to pay them back and try to get back in with them. None have gone to collections yet so there is hope. I think. Haha
RE-BUILD 2.0

The good
1 revolver Amazon Sec Store Card $150 current
moneylion loan 368 bal current
carmax auto loan 12700k bal many lates
3 navient student loans 2500 tot bal current

The bad
9 CC CO ~8k
3 installment loan CO ~12400
2 med col ~700
1 CA 578 (CA on reports) have more not reporting.
Message 25 of 41
Regular Contributor

Re: I had been doing great...

I finally made a spreadsheet listing all my debt, who owns it, monthly bills and income, and the plan of action I want to take with each one. Prioritizing which to pay down first and how much money I can actually give to CAs and OCs.

It is a really really hard thing to see that you have almost 40k in debt... so shocking.

I am sticking to my budget super strictly, droped all my unnecesary expenses. My only luxury expense (aside from my astounding car payment) is my climbing gym membership. 50 bucks a month and I am there almost every day. I need the outlet; definitely worth it.

Putting it all out on one paper made it so much more real than my stack of collection bills and letters from the IRS.

I highly suggest this to anyone trying to devise a plan. No more random sheets of paper (that i eventually lose) listing all the debts.

Feeling hopeful.

RE-BUILD 2.0

The good
1 revolver Amazon Sec Store Card $150 current
moneylion loan 368 bal current
carmax auto loan 12700k bal many lates
3 navient student loans 2500 tot bal current

The bad
9 CC CO ~8k
3 installment loan CO ~12400
2 med col ~700
1 CA 578 (CA on reports) have more not reporting.
Message 26 of 41
Valued Contributor

Re: I had been doing great...

Agreed- hard to look at it but it's better than not.... I don't have anything to add but just want to pat you on the back and say, "Hang in there"!  You will get it done.

"MY TAKE HOME PAY DON'T TAKE ME HOME"
Rebuild Began: Oct 2018 Exp. 579 (current: EXP 708, TU 738, EQ 746)
Personal: BB&T Cash Rewards-$10.5k, Bright Card-$10.5k/CapOne Savor-$5.5k/Comenity GoodSam VS-$5.5k/Discover Chrome-$3k/Synchrony CareCredit-$5.2k/Synovus LOC-$75k
AU: CapOne QuickSilver-$5.5k/ Discover CashBack-$5.5k/Home Depot-$10k/Lowe's Advantage-$30k
Business: Amazon Net 55-$7.9k/Amex BBC-$9k, Amex Lowe's Rewards-$10k/CapOne Spark-$2k/ Citi Staples More-$1k/Synchrony Lowe's Pro-$2.5k

Oldest 1998, Youngest Nov 2019, Closed Accts. reporting: 2 personal loans, 7 revolving, 1 auto

"Sometimes Impatience forces you to think out of the Box"
Message 27 of 41
Senior Contributor

Re: I had been doing great...

OP, is the secured Amazon card still live? I know they took a huge amount of flak for it and took it off the market, but did they allow existing cardholders to keep the cards open and usable?


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 28 of 41
Regular Contributor

Re: I had been doing great...

Yeah! I still have the amazon secured. Had no idea it wasn’t available anymore!
RE-BUILD 2.0

The good
1 revolver Amazon Sec Store Card $150 current
moneylion loan 368 bal current
carmax auto loan 12700k bal many lates
3 navient student loans 2500 tot bal current

The bad
9 CC CO ~8k
3 installment loan CO ~12400
2 med col ~700
1 CA 578 (CA on reports) have more not reporting.
Message 29 of 41
Senior Contributor

Re: I had been doing great...

Great, glad you could keep it. Yeah apparently Amazon took a ton of heat for it, being accused of trying to boost profits on what people were calling a subprime market. Personally I thought it was a great idea, but they caved to public pressure.


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 30 of 41
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