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Thanks everyone.
Good morning
slowly chugging away over here. Hopefully by end of 2019, I will be over the 640 goal.
Below scores were from 05/22
Experian 611
Equifax 628
TransUnion 619
as of Today
Experian 632
Equifax 634
Transunion 625
I have to work on bringing my balance down on my NFCU Secured Card but Ive been paying 3 collections off monthly so its a toggle back between the both of them.
I'd like to qualify for a mortgage next Spring.
@crazedforcredit
Its so frustrating sometimes. If I could get a really good personal loan for $5k, Id just pay them all off and worry about paying that back.
@Shawn19AL wrote:Good morning
slowly chugging away over here. Hopefully by end of 2019, I will be over the 640 goal.
Below scores were from 05/22
Experian 611
Equifax 628
TransUnion 619
as of Today
Experian 632
Equifax 634
Transunion 625
I have to work on bringing my balance down on my NFCU Secured Card but Ive been paying 3 collections off monthly so its a toggle back between the both of them.
I'd like to qualify for a mortgage next Spring.
Keep up the good work!
Im still chugging along over here with my collections.
Even though Im a little down , I am further long than August of this year.
I've paid around $5000 in collections in 4 months. Ive paid off two Capital One collections via PRA and three Synchrony Bank collections via PRA . I just set up a payment arrangement via PRA for the last two Synchrony collections, total of around $2700. I plan to pay it off in 6 months. I've paid off Credence Resource Management and Jefferson Capital
I have a small collection paying monthly from LVNV its $1100. I should be finished with that by March 2020. Maybe sooner. Paying $55 a week.
I also am making $55 a week to Ally finanical. This will fall off my credit report in Feb 2020 though. After I finish with the rest of my collections, I will up the Ally Financial to get rid of it sooner but its around $5000 left.
I have one collection I havent touched yet with Complete Credit Solutions for $1723. Im holding off until I see what my bonus and taxes look like.
Its stressful but I'd like to get it done in order to qualify for a mortgage later in the year of 2020. My Fico Scores in early December were
624 , 626 and 630. My utilization is higher than it should be on my credit cards. working on that as well as the collections.
Salary 65k but always forced OT so I sit usually around 80-90K yearly,
Discover $2000 CL (3/2018)
Nrewards $2000 CL (02/2018)
First Progress $200 CL ( Thinking about closing this one because of the AF ) (10/18)
First Access $375 CL ( Thinking of closing this one because of the AF and monthly fee but I need a third card ) (11/18)
Major Financial Jewelers Club $5000 CL ( opened 11/ 2018)
Fingerhut $1200 CL
Personal Loan $1000
Hopefully I'll be able to bump my discover and nrewards CLs in Feb/Mar of 2020. I'm praying when that Ally finanical comes off I get a boost.
Still chugging along over here.
I had to get a car for so I now have a car loan which slowed down my repayment on a few of my collection accounts. I wont get my 3 scores until my subscription starts again in March. I know Experian is 624 because I had the subscription with them directly but cancelled before the next billing last week.
I now have $5048 in collections that shows on my credit reports
Complete Credit Solutions for $1723
Portfolio Recovery $1506 walmart card( payment arrangement)
Portfolio Recovery $1232 amazon card ( payment arrangement)
LVNV $587 ( this is lower, CB updating slowly, will fall off in April)
Ally Financial $5k, not showing as it fell off my reports this year. I send them $200 a month on repayment.
My credit cards/lines/loans are
Jewelers Club $5000 Opened 11/18
Discover $2000 Opened 03/19
NFCU Rewards $2000 Opened 02/19
Credit One $500 Opened 02/20
First Access $375 Opened 11/18 (thinking about closing before AF if I get increases on NFCU/Discover before 11/20)
Walmart Store Card $300 Opened 02/20
First Progress $200 Opened 10/18 (thinking about closing before AF if I get increases on NFCU/Discover before 10/20)
Capital One Auto Navigator $22k Opened 12/19
Fingerhut $1200 Opened 04/19
DCU Personal Loan $1k Opened 11/19 ( 6 month loan)
I also have 3 charged off accounts negatively affecting me.
2 from First Premier and 1 from NFCU with an old secured card. All three are paid and closed. They wont roll off anytime soon, so I'll be gardening and trying goodwill letters.
Still chugging along
I now have $3416 in collections that shows on my credit reports ( however its really, $2871)
Complete Credit Solutions for $1321 ( just paid $403 on Friday, one more payment left)
Portfolio Recovery $1349 walmart card( payment arrangement)
Portfolio Recovery $604 amazon card ( payment arrangement) ( one more payment left $302.51)
LVNV $142 ) ( paid in full waiting on it to update)