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What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!

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Frequent Contributor

What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!

Just paid my last and final collection! $1004 with Resurgent. All charge offs and collections on my report now PAID Smiley Happy Only school loans left and working on that now! Feel so free, never want to get in that position ever again. I feel like a weight has been lifted. 

 

I hear paying off a collection drops your score a lot, but I still wanted to pay it, trying to be as debt free as possible before I buy my home. Hopefully the score recovers a bit before I need to get a mortgage preapproval. 

 

Next move is to GW the heck out of Resurgent for a deletion, researching good contact info right now. Then pay all cards but one to 0 and one to 9%. 

 

I did it, can't believe it, hard road for sure. Now I can finally get some sleep lol. 


Starting Score: TU-470 4/11/19, EQ-482 4/11/19, EX-486 4/11/19
Current Score: TU-507 7/18/19, EQ-517 7/18/19, EX-508 7/18/19
Goal Score: TU-700, EQ-700, EX-700


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Message 1 of 13
12 REPLIES 12
Valued Member

Re: What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!

Congratulation Izzesparks on your recent acheivement.  It is your testimonal that provides hope to many who are in the process of rebuilding the credit.  Please keep us posted on your progress with the Goodwill Letters.  I look forward to hearing more about your continued success.  Happy Gardening.   

Message 2 of 13
Community Leader
Senior Contributor

Re: What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!

Congrats on the success! Your score may drop temporarily (shouldn’t be too bad though, and almost negligible if it’s been updating all along) when the CA updates your collection status for the final time to “paid $0 balance” but then the healing can begin. No more updates means that it can begin to age and its effect will lessen with time. Totally worth it and your financial picture will definitely improve now.


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 3 of 13
Contributor

Re: What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!

Congratulations to you! An amazing feeling to have them all paid.

 

I begin to think even more about this as Christmas is fast approaching and (for me) knowing I don't have tons of debt anymore. 

FICO 8

Message 4 of 13
Frequent Contributor

Re: What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!


@Rebuilding1 wrote:

Congratulations to you! An amazing feeling to have them all paid.

 

I begin to think even more about this as Christmas is fast approaching and (for me) knowing I don't have tons of debt anymore. 


Feels awesome doesn't it? Smiley Happy


Starting Score: TU-470 4/11/19, EQ-482 4/11/19, EX-486 4/11/19
Current Score: TU-507 7/18/19, EQ-517 7/18/19, EX-508 7/18/19
Goal Score: TU-700, EQ-700, EX-700


Take the FICO Fitness Challenge
Message 5 of 13
Senior Contributor

Re: What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!

The light you see is not a train coming from the opposite direct. It's actually daylight.

Congratulations in your success! Very well done. Good luck on your good will letters.
Message 6 of 13
Super Contributor

Re: What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!

Congrats @izzesparks Thats how ya do it. I dont pull it out often. But this calls for a fire it up moment.....

lights(1).gif





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 7 of 13
Senior Contributor

Re: What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!


@izzesparks wrote:

Now I can finally get some sleep lol. 


Yes!  That's the most important part.  

"MY TAKE HOME PAY DON'T TAKE ME HOME"
Message 8 of 13
Frequent Contributor

Re: What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!


@FireMedic1 wrote:

Congrats @izzesparks Thats how ya do it. I dont pull it out often. But this calls for a fire it up moment.....

lights(1).gif


WooHooo Thanks!! I feel honored Smiley Happy 


Starting Score: TU-470 4/11/19, EQ-482 4/11/19, EX-486 4/11/19
Current Score: TU-507 7/18/19, EQ-517 7/18/19, EX-508 7/18/19
Goal Score: TU-700, EQ-700, EX-700


Take the FICO Fitness Challenge
Message 9 of 13
Frequent Contributor

Re: What a relief! All paid, I can see the light at the end of a very long dark scary tunnel!


@GApeachy wrote:

@izzesparks wrote:

Now I can finally get some sleep lol. 


Yes!  That's the most important part.  



Yes Smiley Very Happy No more OT, working 7 days in a row, working side gigs, spending all night selling old/new clothes online! Just ZZZZZZZZZZZZ's lol Smiley Wink


Starting Score: TU-470 4/11/19, EQ-482 4/11/19, EX-486 4/11/19
Current Score: TU-507 7/18/19, EQ-517 7/18/19, EX-508 7/18/19
Goal Score: TU-700, EQ-700, EX-700


Take the FICO Fitness Challenge
Message 10 of 13
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