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Rebuild 2.0 FKA I had been doing great

ThetoriParadox
Frequent Contributor

Re: I had been doing great...

I paid progressive directly and Caine and Weiner just updated it to paid... oh well.

RE-BUILD 2.0
Cap1 QS1- Amex Optima- Cap1 QS- Mission Lane- secured nrewards- Williams Sonoma- walmart cap1- Care Credit- Grain
Message 21 of 115
ThetoriParadox
Frequent Contributor

Re: I had been doing great...

Thank you very much!

I am really happy I didn't pull the trigger... someone suggested a small amount on the Amazon store card to get a revolver on there that I can't screw up too badly. So I put 150 on it. An amount that I have in savings just in case. Really don't use Amazon for anything so it isnt very tempting.

RE-BUILD 2.0
Cap1 QS1- Amex Optima- Cap1 QS- Mission Lane- secured nrewards- Williams Sonoma- walmart cap1- Care Credit- Grain
Message 22 of 115
ThetoriParadox
Frequent Contributor

Re: I had been doing great...

just an update.

amazon prime secured card reported. 

Got a 50pt boost from it!

now the only things i have open are

carmax - 13,733 

3 student loans with navient totalling 2500 ish

and this amazon card with a line of 150

all current! 

i do not use amazon for nearly anything and will try to just have my prime account to be charged to it monthly and pay off. excited to see such a big increase and mentally in a great place to move forward responsibly. 

Smiley HappySmiley HappySmiley HappySmiley HappySmiley Happy

RE-BUILD 2.0
Cap1 QS1- Amex Optima- Cap1 QS- Mission Lane- secured nrewards- Williams Sonoma- walmart cap1- Care Credit- Grain
Message 23 of 115
gdale6
Moderator

Re: I had been doing great...


@ThetoriParadox wrote:

just an update.

amazon prime secured card reported. 

Got a 50pt boost from it!

now the only things i have open are

carmax - 13,733 

3 student loans with navient totalling 2500 ish

and this amazon card with a line of 150

all current! 

i do not use amazon for nearly anything and will try to just have my prime account to be charged to it monthly and pay off. excited to see such a big increase and mentally in a great place to move forward responsibly. 

Smiley HappySmiley HappySmiley HappySmiley HappySmiley Happy


Good progress so far. You do need 3 open revolvers to drive Fico and typically there is a bump for each of them opening but its up to you.

Message 24 of 115
ThetoriParadox
Frequent Contributor

Re: I had been doing great...

Yup! Working my way there.
I have cap 1 disc and Amex as a CO right now. So hoping to pay them back and try to get back in with them. None have gone to collections yet so there is hope. I think. Haha
RE-BUILD 2.0
Cap1 QS1- Amex Optima- Cap1 QS- Mission Lane- secured nrewards- Williams Sonoma- walmart cap1- Care Credit- Grain
Message 25 of 115
ThetoriParadox
Frequent Contributor

Re: I had been doing great...

I finally made a spreadsheet listing all my debt, who owns it, monthly bills and income, and the plan of action I want to take with each one. Prioritizing which to pay down first and how much money I can actually give to CAs and OCs.

It is a really really hard thing to see that you have almost 40k in debt... so shocking.

I am sticking to my budget super strictly, droped all my unnecesary expenses. My only luxury expense (aside from my astounding car payment) is my climbing gym membership. 50 bucks a month and I am there almost every day. I need the outlet; definitely worth it.

Putting it all out on one paper made it so much more real than my stack of collection bills and letters from the IRS.

I highly suggest this to anyone trying to devise a plan. No more random sheets of paper (that i eventually lose) listing all the debts.

Feeling hopeful.

RE-BUILD 2.0
Cap1 QS1- Amex Optima- Cap1 QS- Mission Lane- secured nrewards- Williams Sonoma- walmart cap1- Care Credit- Grain
Message 26 of 115
GApeachy
Super Contributor

Re: I had been doing great...

Agreed- hard to look at it but it's better than not.... I don't have anything to add but just want to pat you on the back and say, "Hang in there"!  You will get it done.

"My Take Home Pay Don't Take Me Home"
Message 27 of 115
ImTheDevil
Community Leader
Super Contributor

Re: I had been doing great...

OP, is the secured Amazon card still live? I know they took a huge amount of flak for it and took it off the market, but did they allow existing cardholders to keep the cards open and usable?


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 28 of 115
ThetoriParadox
Frequent Contributor

Re: I had been doing great...

Yeah! I still have the amazon secured. Had no idea it wasn’t available anymore!
RE-BUILD 2.0
Cap1 QS1- Amex Optima- Cap1 QS- Mission Lane- secured nrewards- Williams Sonoma- walmart cap1- Care Credit- Grain
Message 29 of 115
ImTheDevil
Community Leader
Super Contributor

Re: I had been doing great...

Great, glad you could keep it. Yeah apparently Amazon took a ton of heat for it, being accused of trying to boost profits on what people were calling a subprime market. Personally I thought it was a great idea, but they caved to public pressure.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 30 of 115
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