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Triple Digit Lates on my TU - Down to Double Digits

radfam
Frequent Contributor

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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2 REPLIES 2
ImTheDevil
Super 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.

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)


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FireMedic1
Community Leader
Super 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!




Homeowner since Sept 2020. Sharing my experiences after BK from learning here. Rebuild to recovery from the @ 540's.
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