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Reports are FINALLY clean as a whistle!! 😁

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credit_endurance
Valued Contributor

Re: Reports are FINALLY clean as a whistle!! 😁


@lhcole77 wrote:

Yesssss @credit_endurance ! That is such a good feeling!! I still remember when I pulled my first neg-free report. 

 

Congrats on your success and tenacity. Enjoy the perks that come with higher scores Smiley Very Happy


Thanks so much @lhcole77!! It was a mountain well worth climbing my friend! 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 11 of 26
credit_endurance
Valued Contributor

Re: Reports are FINALLY clean as a whistle!! 😁

@RadioRob  & @Anonymous  thanks so much for the well wishes and support!! 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 12 of 26
credit_endurance
Valued Contributor

Re: Reports are FINALLY clean as a whistle!! 😁


@kilroy8 wrote:

So happy for you! Nice accomplishment.

 

Garden + low cranberry will have those > 800 in no time.


@kilroy8 Now that sounds like a masterful plan indeed! Thanks so much! 😁

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 13 of 26
credit_endurance
Valued Contributor

Re: Reports are FINALLY clean as a whistle!! 😁


@Hex wrote:

@credit_endurance 

Good for you! It must feel great! Are you going to change your name now? 
curedcreit

healedcredit

intactcredit

I'll work on it and get back to you....


Thanks @Hex!! You know I really hadn't given that much thought now that you mention it. 😆😂 I certainly should consider a name change. Might have to take some of your suggestions into consideration. Hey, feel free to send more (names) my way!  I am sure one of them will grow on me.😁

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 14 of 26
credit_endurance
Valued Contributor

Re: Reports are FINALLY clean as a whistle!! 😁

@Hex  Already went to work on changing everything up! 

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 15 of 26
Hex
Valued Contributor

Re: Reports are FINALLY clean as a whistle!! 😁

@credit_endurance 

I was confused for a minute until I realized that you did change your name! That's fantastic! A new fitting name for the next stage of your credit life (can't really call it a rebuild anymore). I think the new name is perfect! Great work all around!    Smiley Happy

Message 16 of 26
credit_endurance
Valued Contributor

Re: Reports are FINALLY clean as a whistle!! 😁


@Hex wrote:

@credit_endurance 

I was confused for a minute until I realized that you did change your name! That's fantastic! A new fitting name for the next stage of your credit life (can't really call it a rebuild anymore). I think the new name is perfect! Great work all around!    Smiley Happy


Thanks @Hex! I had persisted_perservered credit picked out but it was to long 😆🤪 So settled in for this one.

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 17 of 26
Hex
Valued Contributor

Re: Reports are FINALLY clean as a whistle!! 😁

@credit_endurance 

credit_endurance is much better. I'm surprised it wasn't already taken. I'm super happy for you. Most people don't understand how hard rebuilding is but I do. You should be very proud.  Smiley Happy

Message 18 of 26
SouthJamaica
Mega Contributor

Re: Reports are FINALLY clean as a whistle!! 😁


@credit_endurance wrote:

Bored this morning after last night's festivities. Decided on a hunch to check wallet hub (specifically) the payment history section and noticed my history finally improved to 100%. Knowing this could be a good sign checked in on CK for a fresh update and went straight to their payment history and it was 100% as well.😀 Then needed to head over to the real source and pulled a fresh (3) CB report through experian credit works and my hunches where indeed confirmed TU report is now dirt free!! Got a nice modest boost as well 42 points! Would have been higher if not for a couple recent PL's reporting but this score will be even higher once some older cc balances update. Still not too shabby and to finally be free of negs is such a great feeling. It has been a very long journey to this point but mission accomplished and what a joy it is to share with a community that has played such an integral part in my sucess. Thanks fico family!! 😉

 

 

 

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Good job. Congratulations.


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 699 TU 696 EX 673




Message 19 of 26
credit_endurance
Valued Contributor

Re: Reports are FINALLY clean as a whistle!! 😁


@Hex wrote:

@credit_endurance 

credit_endurance is much better. I'm surprised it wasn't already taken. I'm super happy for you. Most people don't understand how hard rebuilding is but I do. You should be very proud.  Smiley Happy


Me too! And thanks for the support in getting the ball rolling on me changing things up! 😁

Starting FICO08 Scores 2016 All in the mid 500’s
Current FICO08 Scores SEP 2023 (TU 834) (EQ 831 (EXP 831)

“The credit is no longer bruised, it has endured the test of time” (formally know as bruisedcredit)

Message 20 of 26
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