Well let me start by saying Happy New year to everyone. I havent posted in few months. i have been just sitting back and seeing how this thing works with all the advice i have taken here on my fico. so let start with.
December my scores dropped pretty low. These freaking people with the medical collection updated on my transunion and equfx. But i continued doing what i was taught here, which is continue paying your notes on time every month without fail.
So january. my scores recovered pretty nicely, but still not totally where i wanted then. eqfx was 635 trans, 627 and exp 645. I continued to pay things on time, but i felt like i needed to add some more credit to my accts. So i applied and got approved for ollo card after months of getting preapproved offers. I took a little hit for that a few points, but after 3 months it matured and got me back up to where i was. But the exp started ticking up even more that tr and efx. exp had jumped to 655. I must tell ya i was overjoyed just to see at least one my score getting close to the sweet spot.
I have a car, that i call my bad credit car, which had a apr of 28 %. I knew it was crazy when i signed for it. but i needed a car really bad at the time and i think my score was like in the low low 500s when i got the car. So i was getting close to paying on it for years str8 with0ut missing a payment. It was crazy and it was a lot of money every month, i made it work.
so anyway i was thinking about getting a new car, cause my scores where starting to show some light. so i started researching the type of car i wanted. yet still a little afraid of applying for a car, hell i was scared to even apply for a new cc. but i got up the nerve and applied for the avant card of course because i was gettin preapproved offers, and i was approved. So i was truly feeling myself after that. That when i just decide to appy with cap 1 navigator and was pre approved. Man i was so excited. I started looking for cars right away.
so i researched about a month, well until the offer went away. lolol im not sure what happen but something happen to one of my credit reports that made them tell me i wasnt preapprved anymore.
But anyway i decided not to let that stop me now i was on a roll. so i went to my dealership i bought my last car from, they pulled my cr
and man i cant blieve it was like 671. I was like what???!!!!.. I mean i knew it had improved, but not by that much. Oh they were eager to help me get into a car on the spot.
so i told the salesman what car i was looking at and interested in. I told them my other car was about 4 k upside down. but i wasnt putting down more than 1500 dollars period,and i dont want to pay more than 500 dollars a month. So they got all the paperwork together and went and started trying to get approvals. Ohhhh i told them i didnt want more than 4 inquiries pulled. I was suprised they agreed to that. Anyway, they got an approval right off. but the interest was 16.6 apr. Which i thought was high. but hell it wasnt higher than that 28 i was already paying. so i agreed to take that deal.
so i go to the finance office to do the final paperwork. I was totally surprised when we got to the loan, the fi officer had called to one of his friends and got my car financed through a credit union instead of toyota. and i was totally upside down about 5 k instead.
so they put that on the back end no doubt. of course i knew they would. But the deal was the interest rate was 9.24 percent as oppose to the 16.6. Now i know that im paying more for the car, but i was just glad to get out of that interest rate and the car for that matter. I know that i could have refinanced the car and got a hell good deal with that score. but i wanted a new car anyway.
So i guess the important part of this was when i checked my exp fico 8 score it was 680, and tran was 638 and efx was 640 I was like **bleep** finally its starting to some some positive all the way around.
I have no ideal how this is going to read. cause i know i didnt follow any grammar rules in this story. I aint gone lie. its late, im high, and im just rattling on. But i hope u get the jist of all this. I know all those numbers going to drop once the new card hits and the new car too. lolo wow. but know that by june i should be lookin really good again, Im hoping one is in the 700 range i hope
I have a few baddies... medical bills. But the late payment fell off and a crap load of inquiries.
I still have the company who shall not be named working on my report still. They have done a really great job with handling my acct. Ok im starting to get sleepy now. so i better close out before i really start screwing up the grammar here. lolololol. thanks of you understanding.
and MY FICO COMMUNITY THANK YOU FOR ALLLLLLLL YOU ADVICE. i read every night. some think can get a little complex but if u follow it it usually works for me. ok enough before i fall face first on this desk.
Good night all and i hope you lolol understand this. Im sure tomorrow when i read this again its going to be crazy as hell. gonight
