This is more for me than anything else, a point in time reference of where I am. 2016-2024, I had a series of heavy life changes, tragedies, and some joys too!
I just consolidated my credit card debt into a 4-year loan. I have a solid, realistic plan to pay this loan off by end of 2028. The image below doesn't show some other cards with balances that was just normal spending, or the 0% promo I have on amazon right now, but the aggregate util does take this into account.
I have a late payment for 12/2019 on ALL of my NelNet loans (that's 13 accounts, each have a late).
I have 3 loan accounts that were direct from my University. They each have a series of 120 day lates ending March 2021. All 3 were paid in full. One says it was a collection and will be removed 1/2027:
The other two do not reflect as collections, and show this:
At any rate, DOFD was March 2020, so the time on my reports is limited no matter what.
Finally, my Ch7 was filed 10/2018.
So, I am counting down to major financial freedom! The past two years have been awful for me, but they've gone by quickly. I am eagerly awaiting the passage of the next two years.
