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My Credit Journey (First Post on this forum)

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Wolfeyy's Journey/Timeline thus far...

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33 Replies 6900 Views

33 Replies

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Account Number 1
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active duty 1
address 4
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amazon 2
Amazon Prime Rewards Visa Signature 1
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amex 18
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amex affecting fico score 1
AMEX BCE 1
Amex Blue Cash Everyday 2
Amex Blue Cash Preferred 1
AMEX cards 3
Amex Cash Magnet 1
Amex Chat 1
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Amex credit increase revolvers 1
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Amex Gold 5
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amex platinum 3
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Authorized User 47
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Auto Loan 20
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AZEO 11
AZEO and hope to leapfrog to better things :) 3
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BOA 7
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BofA 4
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Bread 1
bring balance $0 after 30 days late 1
Brokerage Account 2
Budgeting 7
build credit 3
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Building 2
building credit 13
bureau 1
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business credit 1
Business Credit From Scratch 1
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Capital One 32
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capitalone 2
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cash 1
cashback 2
casino 1
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cc 3
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ccredit cards 1
Cct 9
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credit history 13
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Credit rebuild 18
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credit reports 20
Credit reports collections 10
Credit Reports Updates 2
credit repot 1
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credit score 75
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Credit score fluctuations 11
credit score increase 3
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credit scoring 5
credit scrub 1
CREDIT SEEKING 1
Credit sesame 2
Credit simulator 1
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credit union 13
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credit unions 6
credit usage 1
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creditcard 1
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creditone 1
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creditscore 4
creditt 1
creditwise 2
Cross Border Payment 1
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Customer Service 7
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data breach settlement 1
data furnisher 1
data point 3
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dcu 2
DCU Credit 1
dealership 1
debit card 2
debt 18
debt collection 9
debt collector 5
debt consolidation 5
debt free 3
Debt Management 333
Debt Paydown 10
debt payoff strategies 1
debt reorganization 1
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debt revived 1
debt SOL 1
Debt to Income 9
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deceased debt 1
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Deleting court records 1
delinquency 6
Deliquent payments 3
Denial 3
Denied 1
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Dept Credit Consolidating 1
DEROG with UTIL% 1
Derogatory 6
derogatory mark 5
Derogs 1
diamond 1
digital wallet 1
Dillards 1
discharge 1
discoer 1
discount 1
Discover 11
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Discover IT 4
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discover personal loan 1
Discover secured 2
discrepancy 2
dispute 26
dispute process 9
dispute progress 1
Dispute threshold 1
Disputes 53
disputet 1
Disputing late payment 5
diverse credit profile 1
diversified consultants 1
Diversity 1
divorce 1
document 1
DOFD 9
Dog Sitting 1
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Drivetime 1
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DTI 7
DTI ratio 3
due date 1
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early exclusion 9
early warning 1
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ecs 1
education 2
EE 3
Elastic 1
employer 1
Employer credit pull 1
employment 1
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EQ: 761 EX: 709 1
equifax 65
equifax credit freeze 2
equifax dispute 8
Equifax Fraud dispute 6
Equifax free credit freeze 3
Equifax Updating File Recycled Social Security Number 1
errors 6
estimate 1
Etc... 1
etrade 1
eviction 2
EWS 3
Excel 1
Exeprian dispute online block 1
Experian 65
Experian app score 1
Experian Boost 2
experian FICO 3
experian phone number 1
Experian slow to report and up date 1
Experian. Dispute. 10
ExperianIdWorks 1
Extra Income 1
Failed to Pay 1
failure to pay 1
fair collection 1
FAKO 10
Family 1
family financing 1
FCDPA 1
fco 1
FCRA 15
FCRA 605b 1
FCRA violation 4
FDCPA 2
fdcpa lawsuit federal collection agency 1
FED loan 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 26
fico 2 1
fico 4 1
FICO 5 4 and2 2
fico 8 9
FICO announcement 35
FICO announcements 4
fico definitions 1
FICO Essentials 1B 2
FICO July 2020: Eq-626 Trans-631 Exp-614 1
fico mortgage 1
FICO Score 386
FICO Score 1B Report 1
FICO Score 3B Report 5
FICO Score 9 37
FICO Score changes 782
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FICO Score versions 273
FICO scores 5
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FICO8 Bankcard 1
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flex 1
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foreclosure 3
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forums 1
Fraud 89
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fraud dispute 5
Fraud protection 3
fraudulent 3
fraudulent account 1
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free credit report 1
free credit score 2
free FICO score 1
free score 4
free trials 1
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Frontline 1
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full credit history 1
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garnishment 1
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Google pay 1
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graduate loans 1
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great sports 1
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growing 1
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h 1
Hacked 2
Harassment 1
hard 1
Hard inquiries 13
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hard money 1
Hard Pull 12
Hard pull inquiry 5
hard pulls 2
hardpull 1
held 1
HELOC 5
help 17
Help Boost my Credit 2
help learning about credit 1
Help ME!!! 2
Help Needed 1
Help Rebuilding 1
help with collections 3
Help! 5
high credit 1
high credit utilization 4
high interest 1
high utilization 1
HIPAA 1
history 5
HOA 2
home 1
home depot 1
Home improvement 1
Home Mortgage 3
Hotel Status 1
Household Income 1
housing 2
Housing Payment 1
how many cc's 1
HP 8
Hunter Warfield 1
Huntington Bank 1
Hutton chase 1
I hate closing points 1
I phone financing 1
IC SYSTEMS 2
identify thefft 1
identity 4
identity Alert 1
Identity fraud 17
identity guard 3
identity theft 40
Idiots reported to the wrong person’s credit bureau 1
idk 1
illegal 2
immigrant 1
Impact 1
impact on future FICO 1
impersonation 1
improve 1
improve credit score 1
improve scores 1
improving credit 5
Inaccurate info on report 5
Inaccurate reporting 1
income 3
Income Verification 2
incompetency 1
incorrect 1
incorrect reporting 3
Increase 6
increase credit lines 1
Increases 1
initial limits credit union usaa 1
Innovis 5
Inquiries 24
Inquiries FICO score 7
Inquiries Summary 5
inquiry 14
insolvency 1
Instacart 1
installment 1
installment loan 11
installment loans 3
insurance 7
Insurance Companies 1
intent to sue 1
interest 4
interest fee 1
interest rates 2
internet 1
invalid debt 1
investigation 1
Investing 2
iphone 1
iphone loan 1
iphone upgrade program 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 2
iup 1
Jared 1
joint account 2
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
JP Morgan 2
judgement 5
Judgements 1
judgment 2
junk debt 1
kabbage 1
Kentucky 1
Kohls 1
L 1
landlord 1
Large credit lines 1
Large usage 1
Last Four 4 social security debt collector call verification 1
late 1
late alerts 1
late fee drop off 2
late payment 13
Late payment removals 2
late payments 12
late reporting 3
Late to the Credit Party 1
latestagecreditportfolioproblems 1
Law 2
Law suit 1
lawsuit 4
learning curve 1
lease 6
legal 4
legal action 2
legal advice 1
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Legal timeline to a collection agency 1
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Length of time account have been established 2
LexingtonLaw 1
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LightStream 1
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Limited credit history 2
Line of Credit 9
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lines of credit 4
literally 1
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Loan company sold 1
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Loanbuilder 1
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Loans 31
LOC 4
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LVNV 1
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mailers 1
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 2
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maximum 1
medical 7
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medical bills 5
Medical Collection 9
medical collections 1
Medical debt 10
Medical debt collection 10
medical debts 1
medicalcollections 1
Members 1
Membership 3
method of validation 1
mf 1
Mid cycle update 3
midcycle 1
Midland 1
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mistake 1
mistakes 1
mix 1
money management 1
money managing 1
monitoring 4
Mortage loan 3
mortgage 26
mortgage credit 6
mortgage credit raise score 1
mortgage default 1
Mortgage History 2
mortgage loan 10
Mortgage scores 6
Mortgage Transfer 2
mortgagescores 1
Multi-charge off 1
Multiple reportings 1
My Story 1
myfico 12
MyFico 3Bplus credit report experience 2
Myfico account 4
Name Change 1
name variations 1
NASDAQ 1
national consumer assistance act 1
national public data 1
nationwide acceptance 1
Navient 1
navy federal 2
Navy Federal approval 1
Navy Federal Credit Union 2
Navy Federal Membership 1
ndc 1
Need advice 2
need help 1
Need loan fast 1
Negative 1
Negative items or DEROG 189
Negative Remarks 3
negative reporting 3
nelnet 1
never late 1
new 2
New Account 4
new accounts 1
New approvals 1
New auto loan and FICO 1
New car loan while old shows balance 1
New CLI 1
new credit 6
New credit & loan 316
New credit & loans 3
New credit card 4
New credit user 1
new delinquency dates 1
new home 1
New inquiry 2
new line of credit 1
new ssn 1
new to credit 5
newbie 3
Newegg 1
next steps 1
NFCU 18
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
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NFCU navy federal navy fed 1
NFCU shared secured loan 1
Nfcu visa platinum 2
NMAC 1
no credit 2
no credit history 2
no credit while paying family for home loan 1
No dv letter response 1
no explanation 1
no ftf 1
no hard inquiry 1
no hard pull 1
non-FICO credit scores 137
Non-FICO Scores 2
non-sufficient funds 1
Nordstrom Visa 1
Not more than 2 payments past due 1
Not opening macy card 1
not reporting 2
not updating 1
NSF 1
nyc 1
NYSE 1
OCC 1
Of 1
off 1
off cycle update 2
Off-cycle update reporting Fico score improvement 2
old 1
old accounts 2
old debt 6
Old late payments 3
oldest credit card 1
OneMain Financial 2
Online banking 3
only soft inquiry 1
Onsale 1
open 1
open credit 1
openorclose 1
opt in 1
opt out 1
Opt-out 3
options 1
OptOut 1
Other 1,009
outstanding debt 1
over 30 days late payment 1
p2p loans 2
paid 2
paid as agreed 1
paid medical debt 1
Paragraphs added.. For human consumption. 1
past due 4
past due bills 1
Pay fo delete 1
pay for delete 2
pay ment systems 1
pay off 2
pay off options 1
Pay-for-delete 1
paydown 2
Paying off debt 5
payment 3
payment history 7
payment method 1
payment plans 1
payments 3
payoff 2
Paypal 6
PayPal Cashback MasterCard 1
paypal collection 2
Paypal Credit 8
pays as agreed 1
peer to peer lender 1
Pen Fed 5
Pen Fed approval 1
Pending 1
penfed 9
PenFed Auto Loan 1
PenFed Offers 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Percentage 1
Perfect Score 2
persona loan 2
personal 1
personal finance 3
Personal finance apps 14
personal lines of credit 3
Personal loan 35
personal loans 12
pfd 2
phillips & cohen 1
phillips and cohen 1
Phone 3
Planning 1
Platinum Credit Card 2
Please Help 1
PLOC 4
PLOC APR REDUCTION 1
Point drop 1
poor credit 1
portfolio 1
Pre Approval 7
Pre-Approval 1
pre-qualified 4
Preapproval affinity 1
Premier Financial Credit Union 1
preparing for mortgage 1
PRG 1
primary account holder 1
Primary card holder deceased 1
Privacy 3
private loans 1
problems 1
profiles 2
Proof of Income 1
Propel. 1
prosper 3
Prosper Loan 1
PSL 1
public records 4
purchases 1
Question 25
questions 2
QuickSilver 2
quicksilver one 1
quizzle vantage 1
raise score 1
raising credit score up fast 2
Ratio 1
Rausch sturm israel enerson & hornik 1
Reaffrimation 1
Real Estate 1
rebuild credit 2
Rebuilding 22
Rebuilding and application advice 1
Rebuilding credit 18
Rebuilding Credit after Bankruptcy 3
Rebuilding from charge off 1
Recon 1
recovery time 1
Redcard 2
refinance 4
Refinance of Rental Property 1
refunds 2
reinsert collection 1
relationship 1
relationship terminated 1
relationships 1
Remarks 2
remodel 1
Removal 7
Removal dates 1
removal from credit report 7
removal letter 1
removal of lates due to forebearance 1
remove 2
Remove credit limits 1
Remove State Liens 1
removed 1
removed collection 2
removing credit accounts 1
rent 6
rental 3
rental payments 2
renting 2
repair 2
Repay 2
Report 1
report discrepancy 8
Report freeze 3
reporting 34
reporting dates 4
Reports 8
repossed vehicle 1
repossession 5
resident 1
restaurants 1
Retail cards 254
Retail cards credit limit increase 1
Retirement 1
Revenue group 1
revolving credit utilization 3
revolving line of credit 3
reward cards 1
Rewards 7
Rewards cards 328
REWARDS CREDIT CARDS 2
risk 1
Roamans 1
roommate 1
rooms to go 1
Rosenthal 1
Rover 1
run 1
RV loan 2
saferwholsale 1
Sallie Mae 1
Sams Club 1
Sams Club Mastercard 4800 1
Samsung 1
Santander auto 1
Saving 4
savings 2
savings account 2
savings accounts 1
say no having the strengtth say no. 1
Scam 7
scams 3
scare tactics 1
sccu 1
scheduled payment 1
score 19
Score and bankruptcy 1
score boost 1
Score change 1
score damage 3
score drop 9
Score drops 2
score impact 4
Score improvement 543
Score Improvement. 9
score increase 3
Score ingredients 90
score late 1
Score updates 3
scores 8
Scores increase 3
scores updating 1
ScoreWatch Equifax 1
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
Secured Card Graduation 2
secured cards 2
SECURED CREDIT CARD 9
secured loan 6
security 1
Security Breach 2
security freeze 4
security-lapse 1
see 1
seizure 1
self 1
Self Lender 1
selflender 1
sesame 1
sesame cash 1
set to be deleted 1
settlement 3
settlement offer 1
shady website 1
Share lender credit builder credit loans 1
Shellpoint 1
shopping cart 1
Shopping Cart Trick 1
Shopping Cart Trick 2018 1
short payment 1
simulator 5
sleep number 1
Sleepys 1
slow to report 1
small business credit 1
small claims 1
Small claims court 1
sms 1
sms alertts 1
social security 1
sofi 3
Sofi personal loan 4
soft inquiries 7
Soft pull 11
soft pulls 4
SOL 1
SP 2
Spark 1
Spending debt 1
split file 2
split files 2
spousal fraud 2
spreadsheet 1
SSI 1
SSL 6
SSN 7
SSN Trace report 1
Star Card 2
startedatthebottomnowImhere 1
State Tax Lien 1
statement 5
Statement close date 3
Statements 1
statue of limitations 3
statute of limitations 3
Stock Market 1
stolen 1
store card 2
store cards 3
Store Credit Cards 3
Story 1
stress 1
student 4
student loan 8
Student loan age of credit history 3
student loan late payment 1
Student Loan Simulator 1
student loans 15
subprime 1
subprime cards 3
subscription 1
subscriptions 1
success 1
sue 2
sued 2
Sueing 1
Suggestions for BT card 1
sunrise credit services 1
superior rental purchase 1
SYNCB 2
Synchrony 8
synchrony bank 3
Synchrony care credit 1
Synchrony Still gives CLI 1
synthetic identity fraud 1
T mobile 2
T-mobile 1
target 1
Target Card 3
tax 2
Tax Fraud 1
tax lien 2
tax refund 1
taxes 1
TCPA 1
Tech Issue 1
Telecheck 1
Tequila Shots 1
Texas 1
Texas Debt Verification 1
Texas Guarentee 1
Thin 1
Thin File 2
third party debt collectors 1
threat 1
Time since most recent account opening is too short 1
timeline 1
Timing 1
tips 1
Too many credit cards 1
too many inquiries 1
too much available credit 1
tradelines 3
trades 1
traffic ticket 1
Trans-union TU score jumping 1
Transferring Credit Lines 1
transunion 36
transunion dispute 7
Transunion TU score jumping 1
Transworld Systems 2
tranunion dispute 1
Travel cards 92
Travel rewards 2
Truist 1
Truist bank 1
trying to colllector 1
TSI 1
tu 9
TU: 777 1
Tuition 1
TX 1
types of loans to keep 1
U.S. Bank 3
UI 1
Ultimate 3B 1
Ultra FICO 1
unfair practices 1
unusual behavior 2
up dateing 1
update 2
updated information 1
updates 5
upgrade 1
upside down 2
upstart 1
us bank 4
US bank be late 1
Us bank cash + 1
US bank cash plus 1
US bank cash plus auto cli 1
Us bank cash+ 1
US Bank CLI 1
US Bank Premier Line of Credit 1
Usaa 3
usage 2
USBank 1
USPS 2
utility 1
utility bill 1
utilization 23
utilization decrease 1
Uverse 1
VA 1
va loan 4
vantage 3
Vantage 3.0 1
Vantage Score 9
VantageScore 4
Variance between OC & collections dates 1
vehicle 1
vehicle repossession 1
Venture 1
Verification 3
verizon 2
Verizon Fios 1
victim 1
Victoria's secret 1
visa 2
VISA cards 2
visa signature 1
Volvo 1
Volvo Financial Services 1
wage garnishment 1
WagWalking 1
Walmart 1
Walmart Synchrony 1
wayfair 1
website 3
websites 1
Wells Fargo 4
wells fargo dealer services 1
Wells Fargo Propel 1
when is it 30 days past due 1
Which first for least impact on credit 1
Why did my Scores Drop 1
without hard inquiry 1
without hard pull 1
Wondering 1
Worried on getting denied 1
worth card to apply 1
Wrong address 2
Wrong addresses 2
X1 1
You Can Get to 850 1
young 2
zelle 1
zero 1
zero balance 1
zombie debt 1

Topics with Label: journey

My Credit Journey (First Post on this forum)

Wolfeyy's Journey/Timeline thus far...