My Very First 800 FICO!! \ (•◡•) /

thornback · ‎02-12-2020

@Drwaz99 wrote:
Niiiiice! Congrats!

Thank you!

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

thornback · ‎02-12-2020

@Anonymous wrote:
I'm SUPER late to this thread, but, CONGRATS thornback!!!

Thanks so much!!

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

thornback · ‎02-12-2020

@Trudy wrote:
As you should! Congrats!

Appreciate it, Trudy, thank you!

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎02-12-2020

@thornback wrote:

@Anonymous wrote:
I'm SUPER late to this thread, but, CONGRATS thornback!!!
Thanks so much!!

Of course!!! I hope all is well.

thornback · ‎02-12-2020

@Anonymous wrote:
Of course!!! I hope all is well.

Yes. Everything is well on my end... thanks!

How are things going for you? Still making positive headway?

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎02-12-2020

@thornback wrote:
@Anonymous wrote:
Of course!!! I hope all is well.
Yes. Everything is well on my end... thanks!

How are things going for you? Still making positive headway?

I'm so glad to hear that! I keep looking for you online but I think we're a few hours apart. I'm EST. What time is it there for you?

Yes - things are going great! I got my charge-offs removed from all my reports except Experian. I was told to call them and speak with a supervisor to dispute it because it should have been removed by now. Other than that, I had to wait to get my Midland removed because it was able to be excluded yet, however I just decided to just wait until April for it to fall off organically because I have some pretty high limits on my Cap 1 cards that I want to pay down/off. So hopefully by April I'll have at least 1 of them paid of in full.

thornback · ‎02-12-2020

@Anonymous wrote:
I'm so glad to hear that! I keep looking for you online but I think we're a few hours apart. I'm EST. What time is it there for you?

Yes - things are going great! I got my charge-offs removed from all my reports except Experian. I was told to call them and speak with a supervisor to dispute it because it should have been removed by now. Other than that, I had to wait to get my Midland removed because it was able to be excluded yet, however I just decided to just wait until April for it to fall off organically because I have some pretty high limits on my Cap 1 cards that I want to pay down/off. So hopefully by April I'll have at least 1 of them paid of in full.

That's fantastic news -- huge congrats on your success so far! Can't wait for your April update -- scores included

I'm in EST too... but I keep weird/insconsistent hours so my time on here varies... I'm often around either late / middle of the night or late morning / early afternoon.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎02-12-2020

@thornback wrote:
@Anonymous wrote:
I'm so glad to hear that! I keep looking for you online but I think we're a few hours apart. I'm EST. What time is it there for you?

Yes - things are going great! I got my charge-offs removed from all my reports except Experian. I was told to call them and speak with a supervisor to dispute it because it should have been removed by now. Other than that, I had to wait to get my Midland removed because it was able to be excluded yet, however I just decided to just wait until April for it to fall off organically because I have some pretty high limits on my Cap 1 cards that I want to pay down/off. So hopefully by April I'll have at least 1 of them paid of in full.
That's fantastic news -- huge congrats on your success so far! Can't wait for your April update -- scores included

Thank you! I'm very excited as well. Haven't had a clean report in...well...7 years, lol.

I'm in EST too... but I keep weird/insconsistent hours so my time on here varies... I'm often around either late / middle of the night or late morning / early afternoon.

Gotcha! I'm usually on here between 7 AM - 3 PM EST when I'm at work.

thornback · ‎02-12-2020

@Anonymous wrote:
Thank you! I'm very excited as well. Haven't had a clean report in...well...7 years, lol.

hahaha... It's going to be glorious!

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎02-12-2020

@thornback wrote:
@Anonymous wrote:
Thank you! I'm very excited as well. Haven't had a clean report in...well...7 years, lol.

hahaha... It's going to be glorious!

Woot Woot!

Re: My Very First 800 FICO!! \ (•◡•) /

Re: My Very First 800 FICO!! \ (•◡•) /

Re: My Very First 800 FICO!! \ (•◡•) /

Re: My Very First 800 FICO!! \ (•◡•) /

Re: My Very First 800 FICO!! \ (•◡•) /

Re: My Very First 800 FICO!! \ (•◡•) /

Re: My Very First 800 FICO!! \ (•◡•) /

Re: My Very First 800 FICO!! \ (•◡•) /

Re: My Very First 800 FICO!! \ (•◡•) /

Re: My Very First 800 FICO!! \ (•◡•) /