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My rebuild so far – Collection free!!!

ladeda8971
Valued Member

My rebuild so far – Collection free!!!

So………..I just pulled my monthly 3B today and am officially collection free and all 3 credit scores are yellow!

 

FICO Scores.png

 

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!

 

 

 




Jan. 2021



June 2019


Message 1 of 20
19 REPLIES 19
AllZero
Super Contributor

Re: My rebuild so far – Collection free!!!

Congratulations on your success!

Message 2 of 20
newfossil
Valued Contributor

Re: My rebuild so far – Collection free!!!

Congratulations on your success!!!




Starting score - May 2018

June 2020

AAoA - 1 year 3 months
Message 3 of 20
donkort
Valued Contributor

Re: My rebuild so far – Collection free!!!

Pretty nifty! : - )

FICO 8: EQ 800; EX 797; TU 793
Message 4 of 20
Hasselfree
Valued Contributor

Re: My rebuild so far – Collection free!!!

Congrats on the accomplishments!  Onward and UPward from here!




"Your ego is writing checks your body can't cash".
Message 5 of 20
thornback
Senior Contributor

Re: My rebuild so far – Collection free!!!

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 😊

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 6 of 20
ClassicMan
Valued Contributor

Re: My rebuild so far – Collection free!!!

Congratulations to you, job well done!

12/18/19




05/27/20





Cards

Authorized User
Message 7 of 20
lseam
Member

Re: My rebuild so far – Collection free!!!

Congrats! Job well done.

Message 8 of 20
simplynoir
Community Leader
Super Contributor

Re: My rebuild so far – Collection free!!!

Well done there!

Message 9 of 20
FiresOut
Super Contributor

Re: My rebuild so far – Collection free!!!

Nice! Hard work pays off! Congrats!

Message 10 of 20
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