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Settlement and 90-Day Late Recovery Journal (Progress reports etc)

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Frequent Contributor

Re: Settlement and 90-Day Late Recovery Journal (Progress reports etc)


@calyx wrote:

Congrats on all of your progress!  I remember when you just had that greendot.

You've come a long way, baby Smiley Wink


Thanks so much! It doesn't seem that long ago that I just had the Green Dot, but yet it seems like forever at the same time! RIP Green Dot!

 

BTW, on a whim, I just asked for a CLI on my Overstock card and got an increase of $2K, to $2,250! WOW!


Overstock $9,750, Walmart $2.5K, Discover IT Cash Back $2.4K, NFCU Flagship $5K (formerly CashRewards), Shell (Citi) $800, NFCU More Rewards $17K, AMEX Cash Magnet $1K, Citizens Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 700, EX 688   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal

Message 11 of 14
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Frequent Contributor

Re: Settlement and 90-Day Late Recovery Journal (Progress reports etc)

So it's been over a year since I updated this thread. A lot has happened in 2020. I got an inheritance that enabled me to wipe out all my debt. My income is still low, and my 90-day-late is now two years old. I was approved for several cards in 2020 (all good cards!) and got many CLIs on existing cards. 

 

The thing I learned from this experience is to follow the advice on these forums, and also that TIME IS YOUR FRIEND. I had trouble sometimes not apping. I wanted more cards now, now, now! But even though I sometimes was fast and loose with inquiries, it never was too crazy. It could have been a LOT worse had it not been for the lessons I learned from MyFICO. I found that paying on time and keeping my nose clean pays off. AMEX has given me two cards now even though my income is low and my score is meh. (Fico 8 scores are Experian 690, Equifax 700, Transunion 697.) Even with a dirty profile, you can get good cards—just give it time. 


Overstock $9,750, Walmart $2.5K, Discover IT Cash Back $2.4K, NFCU Flagship $5K (formerly CashRewards), Shell (Citi) $800, NFCU More Rewards $17K, AMEX Cash Magnet $1K, Citizens Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 700, EX 688   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal

Message 12 of 14
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Regular Contributor

Re: Settlement and 90-Day Late Recovery Journal (Progress reports etc)

Way to go on your rebuild. 

Have you tried goodwilling the late payment?

Message 13 of 14
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Frequent Contributor

Re: Settlement and 90-Day Late Recovery Journal (Progress reports etc)


@Belle2018 wrote:

Way to go on your rebuild. 

Have you tried goodwilling the late payment?


Thanks, Belle!

 

My plan has always been to give BofA (the bank I had the 90-day-lates with) a little time and then do the Goodwill thing. I've been paid up for a couple months, I guess I'll wait a little longer.


Overstock $9,750, Walmart $2.5K, Discover IT Cash Back $2.4K, NFCU Flagship $5K (formerly CashRewards), Shell (Citi) $800, NFCU More Rewards $17K, AMEX Cash Magnet $1K, Citizens Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 700, EX 688   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal

Message 14 of 14
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