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My rebuild so far – Collection free!!!

Bank007
Frequent Contributor

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


@ladeda8971 wrote:

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!

 

 

 


What a marvelous rebuild legacy you have created here!  I am so encouraged and impressed with your journey.   My rebuild started not too long ago.  I have had some successes with EEs, and removal of collections.  But the endeavor can be exhausting with the letters, calls etc.  I recently had 3 accounts removed - via EEs and also a collection deleted.  I am hoping for some respectable score jump considering there are no other new baddies etc... Do you have any advice from a tactical/motivation standpoint?  I am impatient, and don't want to be wreckless What has worked for you?  Thanks for being a hero here...
Starting Score: 550
Current Score: 652
Goal Score: 670


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Message 11 of 20
Krysmay2208
Contributor

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

Congratulations!!🎉 what an awesome feeling, keep going & you'll see those 700s and higher in no time!

Current FICO 8 Scores as of 1/15/20:
Equifax- 615
TransUnion- 746
Experian- 706

AU- Jpmcb- $14,000CL
Cap1 QuicksilverOne- $1,500SL opened 1/15/20
Carter's- $1,000SL opened 2/18/20
NFCU CashRewards- $8,600SL opened 2/20/20 .cli 5/23/20 to $12,600
Message 12 of 20
ladeda8971
Valued Member

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

Hey @Bank007, honestly, the biggest thing for me was patience......  I had trouble early on not seeing the scores go up fast enough, after something was removed, etc. and not prequalifying for the cards I wanted, etc.   The 2nd thing I personally found super helpful was telling my family and friends about my rebuild and having them help motivate me.  We are working on my husbands credit/debt now (our finances are completely separate) and seeing where I am has motivated him to get his act together.    

 

Just keep at it!  You got this!  I'm excited to follow your journey!




Jan. 2021



June 2019


Message 13 of 20
fluxxer69
Valued Member

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

Congrats on your hardwork!!


Starting Score: 07/03/2019

Current Score (Fico 8): 11/29/2020

Goal: 07/04/21
Message 14 of 20
GreenApple128
Established Member

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

Congratulations!! This is an encouragement.

Message 15 of 20
fredzos
Contributor

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

congrats on your score improvements!

 

you're doing a great job with the rebuild!

 

keep it up





9% Util




Gardening Start 9/18/2020
Message 16 of 20
angelwingz
Valued Contributor

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

Congratulations on your success! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 17 of 20
T_Lab_89
Contributor

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


@ladeda8971 wrote:

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!

 

 

 


Congratulations!

April 2019 (4 collections)
EQ - 563
TU - 586
EX - 578


March 2020 (0 collections)
EQ - 605
TU - 672
EX - 671
Message 18 of 20
Cjethompson2017
Frequent Contributor

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

@ladeda8971 Can I ask how you sent GW letters to Toyota? I am getting ready to send mine via email tomorrow. Hoping I have the correct email and that I get an actual response. It's my biggest blemish that can't be undone with paying. 

Message 19 of 20
JeffMO
Regular Contributor

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

Congratulations on the rebuild, you've came a long ways! 






Capital one 500, Discover 2600. UMB Signature visa 10k, DW UMB card Auth user 16K
AAOA 1y8m, oldest 3 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 3 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


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Message 20 of 20
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