Original thread: https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Rebuild-SimpleGirl/m-p/5508731
NCA should be falling off by January or March of 2022.
Another collection from AD Astra has appeared and i will pay once it hits 2 years.
I paid off 4 of my 5 student loans and the fifth one down to half.
My citibank card still has not unsecured so still waiting on that.
Not sure of my current scores just yet but i will update once i get them.
Also forgot to add got pre-approved for a 10,000 personal loan through my credit union. It was really surpising because I've only been with the credit union either early this year or maybe a year and they previously denied me for an auto loan. Plus that is the highest amount I've ever been approved for that wasn't an auto loan.
Starting Score: 494 503 521
I'm getting all my applying out of my system and over applying so really need to garden but I did get approved for the Lexus Comenity Visa Card for $1000
Congrats on all your progress!
How long have you had your Citi secured?
They kept mine secured for another 12m. Supposed to be removed in July-ish 2022.
I'm trying to hold out and not just close it.
@collics wrote:Congrats on all your progress!
How long have you had your Citi secured?
They kept mine secured for another 12m. Supposed to be removed in July-ish 2022.
I'm trying to hold out and not just close it.
Yeah you and me both. I got it in 2019 & they kept it secured until 2022 August just like yours. Luckily I'm not in a rush to get the money back but I'm hoping they unsecure it next year. Good luck on yours!
@simplegirl wrote:
@collics wrote:Congrats on all your progress!
How long have you had your Citi secured?
They kept mine secured for another 12m. Supposed to be removed in July-ish 2022.
I'm trying to hold out and not just close it.
Yeah you and me both. I got it in 2019 & they kept it secured until 2022 August just like yours. Luckily I'm not in a rush to get the money back but I'm hoping they unsecure it next year. Good luck on yours!
2019?!?!?! Are you serious omg. I didn't think they could even hold it past the 30 months!
I'll give it to July but if they try to keep it secured I'll close it and get my money back. Holding money for that long and not paying interest...should be illegal. smh
@collics wrote:
@simplegirl wrote:
@collics wrote:Congrats on all your progress!
How long have you had your Citi secured?
They kept mine secured for another 12m. Supposed to be removed in July-ish 2022.
I'm trying to hold out and not just close it.
Yeah you and me both. I got it in 2019 & they kept it secured until 2022 August just like yours. Luckily I'm not in a rush to get the money back but I'm hoping they unsecure it next year. Good luck on yours!
2019?!?!?! Are you serious omg. I didn't think they could even hold it past the 30 months!
I'll give it to July but if they try to keep it secured I'll close it and get my money back. Holding money for that long and not paying interest...should be illegal. smh
I honestly didn't realize I had it that long. Now you making me want to close.
I'm gonna be quiet bc I don't want to sway your decision............😂 I was debating already but I hope this time around they do graduate it.