So………..I just pulled my monthly 3B today and am officially collection free and all 3 credit scores are yellow!
I just wanted to take a minute and thank everyone for all the time you spend helping so many people on these boards. Reading other folks credit rebuild success stories is really what did it for me. They gave me hope and helped me push through the endless phone calls and e-mails and setbacks, etc. If you have posted anything on these boards – THANK YOU!
I was here at the end of July 2019:
Collections:
Midland Funding - $296
PRA - $912
PRA - $2735
EOS CCA - $91
Columbia Collections – 1 for $176 & 2 w/ $0
Professional Credit Service - $100
LVNV Funding - $1728
Quick Collect – $405 originally, but PIF several years ago
First Tech FCU Secured Platinum - $500
Discover It Secured - $200
1 installment loan (SSL through my CU) - $500
Current:
0 Collections!!!!
I have $9000 in TLs.
Discover IT - $0/$2000. Graduated and CL increase at 7 months.
Goldman Sachs Apple Card - $78/$2000.
Cap1 QS - $0/$500
Kohl's - $0/$300
Amazon Prime Store Card - $45/$1,700
Les Schwab - $1102/$1,500 (just charged yesterday, paying down to 9% next week, but needed an installment loan, as my car is paid off)
Amex Everyday Preferred - $0/$1000
I closed my CU secured card, as it would never graduate and paid off my SSL last month, as I am planning to move my accounts over to NFCU.
I still have quite a few lates showing up and 1 charge off. Credit One C/O ($0 bal) won’t fall off until next May. Have sent GW letters, but no replies. Capitol One/Best Buy that was a C/O, but they updated to show only as 30 days late, which will fall off in August of this year. 30, 60 & 90 day auto loan lates from 2016 will stay on until 2023. Toyota Motor Credit has said no to my goodwill requests – so far. Still trying.
My goal was to get my scores up to 700 by July of this year and I’m soooo close! Just going to practice AZEO and not take out any new credit until we build our dream house in 2021. Now, just gotta work on my hubby’s derogs…..and high balance personal loans…..
And thanks again to the MyFico fam! No way I could have gotten here without your knowledge and patience and kindness. Seriously, these boards are such a game changer for those of us that have lost our way!
Congratulations on your success!
Congratulations on your success!!!
Congratulations on your progress so far!! You should feel very proud of the work you've put in. Keep going - those 700s are right around the corner 😊
