J's Credit Repair Journal

[J_S]

Redoing my journal to better organize myself.

Baddies:

Home depot $341 - 60 days late - 8/2012

Bank of America $754 - 120 days late - 6/2012

Capital One - $0 - 90 days late - 7/2012

TXU Energy - $110 - CO - 4/2012

Texas Guaranteed - $0 - Payment after CO - 10/2010

Texas Guaranteed - $0 - Payment after CO - 10/2010

Texas Guaranteed - $0 - Payment after CO - 10/2010

Costep Servicing - $0 - 120 days late - 5/2009

Costep Servicing - $0 - 120 days late - 5/2009

Costep Servicing - $0 - 120 days late - 5/2009

Prof Debt - $1920 - Collections - 4/2012

Cba - $81 - Collections - 2/2012

Bekmn Assoc - $774 - Collections - 1/2006

Current open accounts:

Capital One - $300 limit

Home Depot - $600 limit

Starting scores:

TU: 489 EQ: 471

I've sent PIF with GW to BoA and TXU. I've sent GW to the rest except for the collections. I'm a little worried about Prof Debt. I don't have the money to PIF. Should I set up a payment plan and then GW at the end? Save my money and PIF when I can? It's recent so getting sued is a possibility.

Thanks.

[sphinx313]

With starting scores like that it's going to be nice to watch you break into the 600's and beyond. Good luck and this is a good start itemizing everything.

[Shogun]

Absolutely.  Set goals and try hard for those goals!!!

[J_S]

Alert:

Your FICO® score has exceeded your target score of 500

Score Watch alert/Changes to your FICO® Score

Your FICO® score has gone up to 502 on December 16, 2012.

Target score alert:

Your FICO® score has exceeded your target score of 500.

Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:

• You've made heavy use of your available revolving credit.

Baddies:

Home depot $226 - 60 days late - 8/2012

Bank of America $0 - 180 days late - 6/2012

Capital One - $232 - 90 days late - 7/2012

TXU Energy - $110 - CO - 4/2012

Texas Guaranteed - $0 - Payment after CO - 10/2010

Texas Guaranteed - $0 - Payment after CO - 10/2010

Texas Guaranteed - $0 - Payment after CO - 10/2010

Costep Servicing - $0 - 120 days late - 5/2009

Costep Servicing - $0 - 120 days late - 5/2009

Costep Servicing - $0 - 120 days late - 5/2009

Prof Debt - $1920 - Collections - 4/2012

Cba - $81 - Collections - 2/2012

Bekmn Assoc - $774 - Collections - 1/2006

Current open accounts:

Capital One - $300 limit

Home Depot - $600 limit

Starting scores:

TU: 489 EQ: 471

Current scores:

TU:? EQ: 502

Unfortunately, BoA didn't delete the negative information. I'll try to GW them again sometime. Right now I'm thinking I really need to deal with "prof debt". I'm worried I'm going to get sued.

[sphinx313]

Looks like you got 31 points or so to me. Congrats! Keep it moving.

[J_S]

Thanks. It actually dipped to 464 before it jumped up due to an increase in the capital one balance. Actual increase was 38 points. Very encouraging especially after the dip.

[sphinx313]

Exactly, take any positive points that come your way, you can't beat the feeling.

[Shogun]

On your way!!!

[J_S]

Your FICO® score has gone up to 515 on January 6, 2013.

Target score alert:

Your FICO® score has reached your target score of 515.

Your FICO score may have gone up because the following 4 factors are not hurting your FICO score as much as before:

• You've made heavy use of your available revolving credit.
• You've made heavy use of your available revolving credit.
• You've made heavy use of your available revolving credit.
• You've made heavy use of your available revolving credit.

I believe my BofA card was reinstated after I paid them which bumped up my available credit and helped my utilization. Also reported was my TXU payment was posted and is reporting less derogatory.

[Shogun]

It's moving in the right direction!