Rebuild 2.0 FKA I had been doing great

[ThetoriParadox]

@DebtStinksWAIT?! What?! Did you just make my whole **bleep** day ?!?!?!

there is no link there I'd be EXTREMELY interested in seeing what it says. Thank you!!!

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@DebtStinks wrote:

@ThetoriParadox the link here is one of may reports stating judgments/tax liens are no longer reported to CRAs.

It doesn't mean don't pay a valid judgment, but at least you won't have to worry about the impact on your credit score as a result of a reported judgment.

Best of luck going forward in your rebuild! Keep up the GREAT work!

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[Anonymous]

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@DebtStinks wrote:

UPDATE: Forgot to post the link...this is one of many you can find.

@ThetoriParadox the link here is one of may reports stating judgments/tax liens are no longer reported to CRAs.

It doesn't mean don't pay a valid judgment, but at least you won't have to worry about the impact on your credit score as a result of a reported judgment.

Best of luck going forward in your rebuild! Keep up the GREAT work!

https://www.marketwatch.com/story/how-bankruptcy-civil-judgments-and-tax-liens-affect-your-credit-re...

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+1

I believe maybe 2017 is when that started? I had 3 judgements removed, thankfully! 1 judgement for almost 40k, which had been granted right before they stopped the practice, so I am certainly grateful that they stopped!

It still does not mean that you do not owe the money and it doesn't mean they will not garnish your wages, need be. This is just from the credit reporting perspective and any associated OC/CA can still report.

[ThetoriParadox]

Wow! Yeah I am more than willing to pay the debt back. Just was nervous about the reporting. Whew. Feeling much better! @DebtStinks @BIG THANKS. 

[Conceptual23]

Best of luck to you on your journey.  Kind of reminds me of my rebuild two years ago.

[ThetoriParadox]

OK 2021! LETS DO THIS

I am on the phone cancelling my Indigo card right now. FEELS GREAT. None of my other cards have an AF, waiting on Mission Lane to CLI me after 7 months as well as my Cap1 QS1 after 6 statements.

I am still waiting on my Optima Application to come in the mail, but based on what I have read 30-35 business days from the final payment puts me at Feb 5th... so soooooon! I had to use my savings to pay some vet bills, but it will grow again. Got a promotion at work and am negotiating a pay raise to go along with it. This is the year of paying off ALL the debt.

I have requests out to make payment plans for my medical debt.

And still havn't heard back regarding the judgement that was served to my sister...

This is the first year I will get a tax return in 5 years, and fingers crossed for a stimulus from our new Pres, and I will be making DENTS in DEBT.

I am clearly highly caffienated today... thanks for reading my rambles.

[ThetoriParadox]

Just got off the phone with Amex. My optima application was sent to the wrong address... So another one was requested to be mailed to my current address.  He said arrival in around 2 weeks, I can barely wait haha.

Just want to get that inquiry over with so I can feel like I am actually gardening this year. Still havn't negotiated a salary with my employer... feelign weird about that, been working a new position for almost a month now..... aghrr.

Other that that everything else is business as usual. Paying all revolvers in full each month, paying down collections slowly.

Happy Feb everyone!

[kwhat94]

Just had to pop in and say this thread has been absolutely motivating and informative. Falls in line with some of my situation and helped me make contact with Midland Funding to get a CO paid and removed. So, thanks for sharing your journey -- staying tuned to keep my momentum up and read about you crushing your goals!  

[ThetoriParadox]

Received my Optima App (if you can call it an app haha) last night, sent it off this morning!! So excited to nurture that dang ol Amex relationship. 

Still paying down PRA and Midland Collections, trying to contact the hospital to make arrangements on a balance there....

Keeping revolvers down and overpaying on car loan and student loans each month... making dents!!!

on track for debt free by 2025 possibly sooner. fingers crossed for timely tax return and another stimulus check!!!

[ThetoriParadox]

Got the notification for a hard pull this morning. Checked Amex app status and optima approved!!! So pumped.

[DebtStinks]

Congrats! The rest is up to you...keep up the progress you've made!