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Triple Digit Lates on my TU - Down to Double Digits

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Triple Digit Lates on my TU - Down to Double Digits

Just wanting to share a tiny bit of success in my almost 3 years on the MF Forums.  I had an alert today that another deliquent mark (i.e. late payment in my case) came off my TU report.  I took the time this afternoon to look up my very first pulled TU report back in 03/2017.  My first realization that I had a lot to learn about credit and debts.  If you have ever read my posts, you may remember that I am a reformed serial late payer.  I didn't understand whatsoever about why paying on time was important.  Since finding MF Forums, and specifically this board, I haven't had a late payment since 2017.  


The icing on the cake was realizing just how many lates have fallen off my reports, either through aging off or through GW efforts.  My TU report that I mentioned earlier has gone from 144 lates in 03/2017 down to 57 lates as of 11/2019.  I know its probably mindblowing to some that I still have 57 lates still on there but I am celebrating the small win. 

Fico 8 as of 11/13/19:



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Senior Contributor

Re: Triple Digit Lates on my TU - Down to Double Digits

Best way to eat an elephant is one bite at a time - every step matters. Congrats on the success and keep it up. Your reports will be clean before you know it.



Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 2 of 3
Senior Contributor

Re: Triple Digit Lates on my TU - Down to Double Digits

Look at it this way. You smacked a home run and your halfway there running past 2nd plate. Soon you'll see home base in your sights and then a SCORE! 0 Lates. Congrats!





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
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