Stupid things that make me happy!

Tiersha · ‎05-27-2026

OK. As stupid as it may sound, I'm actually excited about the fact that the last five late payments that I have will be falling off this year. I have long since waited for them to fall off. I have a very solid 700 plus score across all options and cra's now as it is and with a very great mix of credit lines and good credit card CLI. I just wanted to come in and share how excited I am over something so simple. I think the bigger excitement is because for the first time I will have a 100% perfect credit report. That is all and have a fantastic day.

crystal626 · ‎05-27-2026

Definitely not stupid things. Congrats!

8/2/2026

EX8 787
EQ8 787
TU8 789

18 cards TCL $235,750 ACL $13,097

TrapLine · ‎05-27-2026

Grat's on losing those lates. It definitely warrants good feelings.

In a sense, means you have arrived in the better credit world. Take a pat on the back as the come back is not an easy journey.

Vinjints · ‎05-27-2026

That's not stupid at all. Probably been quite a while and hopefully it's time for some new habits to show up in the box scores.

NFCU Flagship (Daily Driver) | USAA Rewards (1999 Hooptie)

AmEx BCP (Groceries) | Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 780 | EQ(F8) 802 | TU(F8) 796 | EQ(BC8) 810 | EX(10T) 782

sjt · ‎05-28-2026

@Tiersha wrote:
OK. As stupid as it may sound, I'm actually excited about the fact that the last five late payments that I have will be falling off this year. I have long since waited for them to fall off. I have a very solid 700 plus score across all options and cra's now as it is and with a very great mix of credit lines and good credit card CLI. I just wanted to come in and share how excited I am over something so simple. I think the bigger excitement is because for the first time I will have a 100% perfect credit report. That is all and have a fantastic day.

Congrats! I would be happy too!

American Express: Platinum Charge, Business Platinum, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Bank of America: Alaska Air Atmos Summit Visa Infinite
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Globe WLMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 816 / EQ: 825 / TU: 818

SusanJA · ‎06-01-2026

Nice work! Cheers to you!!

Seatac · ‎08-04-2026

congrats on that . be glad the baddies are falling off. One thing to remember is that you should not immediately jump on doing CLI requests or even look at pre approvals with banks you currently work with. That is because there is a Hidden metric that sits in plain site. it is the Account Review which is the soft pull banks do to review you for cli's etc and is what feeds their internal system.

i just posted this on that topic.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/How-quot-Account-Review-quot-AAR-Soft-Pulls-D...

good luck