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*one month update* since journey began

Frequent Contributor

*one month update* since journey began

Hi, all!

So, I started on this credit-repair journey exactly a month ago, February 17th, 2013. My credit was a MESS. Well, still is... but I had a lot of unpaid things, including 2 judgements and 7 defaulted student loans.


I literally spent this entire month working over time and doing freelance work just so I could pay back some of the things quickly...I'm very impatient, so when I want to do something, I HAVE to do it, LOL.


So in one month, I paid off:


2 Judgements 

3 Credit Cards

2 Collections


AND I started the Rehab process on all my defaulted loans with two separate agencies.


I also got two collection items deleted, one because they couldn't verify (it wasn't mine to begin with and I knew it) and one as a PFD just by simply making a telephone call. I'm also going to be paying two medical collections who also agreed to delete when paid in full.


I only pulled my TU and EQ when starting this on February 16th: 430 and 443 (I know, TERRIBLE).


One month later, TU and EQ are: 507 and 520. 

Slowly but surely!!!

I'm hoping in 10 months when my rehab is completed I'll see another good increase. And my goal for April is to pay off my current credit card balances down to 10% utilization. 

I don't mean to toot my own horn, but I feel like I did A LOT in this last month, haha!

OH, and best part of all: I managed to stay SANE! 


I just have this weird fear that while doing all this, all of a sudden I'm going to get a random alert saying I have a new collections or something that I have forgotten about... but I don't want to think like that, because then it makes me feel like I shouldn't have even started this journey to begin with if things were just going to get added later on... then I remind myself, even if they do, at least I'll only have two or three things to pay off instead of starting from the beginning and having 10 or more, you know? At least I took out a big bulk of it now. (Can you tell I'm trying to make myself feel better? LOL)


And of course, I couldn't have done it without all of the support and advice from all you wonderful people!!! Your stories, posts, and responses inspire me so much to keep going, and this community is what inspired to make rebuild my financial life... (this, and the fact that I realized I'm 28 years old and couldn't even qualify for a bank account or an auto loan under my own name, so that was a HUGE reality check, LOL).



Message 1 of 11
Established Contributor

Re: *one month update* since journey began

you on right track.Keep good work going !

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Message 2 of 11
Frequent Contributor

Re: *one month update* since journey began

You should be very happy that's a great jump for one month . Hope it keeps going good for you..
Message 3 of 11
New Contributor

Re: *one month update* since journey began


Ch13 filed 3/2009 : discharged 1/2014
Starting 2/16/2013:
EQ673 TU667
Current 6/3/2018: EX816 EQ806 TU820
Goal: 850

Take the myFICO Fitness Challenge
Message 4 of 11
Valued Member

Re: *one month update* since journey began

Good job!!!
Message 5 of 11

Re: *one month update* since journey began

Awesome just starting mine have student loans as well and well mine is an utter mess as well charge offs debts being sold to CAs so getting double hits there judge ments
Message 6 of 11
Established Contributor

Re: *one month update* since journey began


12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
1/29/18 TU 740 ~ EQ 729~ Ex 708
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 17,300~NFCU Cash Rewards 17,000 ~Care Credit 6000
Message 7 of 11
Senior Contributor

Re: *one month update* since journey began

Congrats Jon, very well nice done. I'm sure your post will be in inspiration to others!!!! Keep up the great work and welcome to the forums!!!!

Message 8 of 11
Moderator Emeritus

Re: *one month update* since journey began

Keep it going!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 11
Established Contributor

Re: *one month update* since journey began

Heck ya! Keep it up!
EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Message 10 of 11