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Wolfeyy's Journey/Timeline thus far...

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33 Replies 5500 Views

33 Replies

5500 Views

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0 1
1099-C 1
18 2
180 day grace period 1
19 1
19 year old 1
524 Rule 1
700 club 2
800 4
850 FICO 1
AAFES 1
AAOA 6
Aaron's 1
access checks 1
account clouser 1
Account Number 1
address 1
address change 1
Advice 5
affirm 1
age 2
age Credit closing card 1
Alaska airlines Bank of America 1
alert 1
alerts 5
alien 1
Alliant 2
amazon 2
amazon store card 2
Amazon Synchrony 1
American Express 5
american express platinum 1
amex 7
Amex 3xCLI 1
AMEX BCE 1
Amex Blue Cash Everyday 2
Amex Blue Cash Preferred 1
Amex Cash Magnet 1
Amex Cli 1
amex platinum 1
amount you owe 1
and etc 1
Angry and Frustrated Scores dropped 1
annual fee 1
apartment 1
Apartment Renting 4
app 1
App Spree 24
App spree Approvals Gardening 1
Apple 2
Application 2
Application approval 2
Applications 1
applying 1
approval 2
Approval odds 4
approvals 1
Approved 2
APR 3
APR PLOC 1
arbitration 1
Arrival 1
assessed fees 1
AT&T 1
att 2
AU 3
Authorized User 22
Auto CLI 1
Auto lease 2
Auto Loan 10
auto loans 1
Auto purchase 2
Auto refinance 3
Auto-generated applications 1
automotive 1
Autopay 1
AZEO 1
bad credit 1
balance 2
balance tracking 1
Balance Transfer 20
Bank of America 7
bank trust 1
Bankcrupties Credit 1
Banking 4
Bankruptcy 8
Bankruptcy and Credit Cards 1
Bankruptcy Chapter 7 3
Bankruptcy. Fico score 1
banks 1
banrupcty 1
Barclay Card 1
barclaycard 1
Barclays 1
BBVA Compass 1
best buy visa 1
Best Egg 1
bill 2
bill pay 1
bk 1
Bk 13 1
Black Market Surveillance 1
BMW 1
BOA 3
BOA Travel Rewards Approved 2
BofA 3
Brokerage Account 1
budgeting 2
Building 1
building credit 4
bureau 1
Bureaus not reporting credit lines 1
business credit 1
business line of credit 1
cancel credit check total 1
Cap 1 1
Cap One 4
cap1 1
Capital One 12
Capital One CLI 1
Capital one QS 1
capone 1
car 4
Car Loan 5
car note 1
Card 2
Card Acquisition Risk Score 1
Carrying high balance 1
CARS 2
CBR 1
cc 2
Cc charge off 1
CC Utilization 1
Cct 9
CFA 1
cfpb 2
chapter 7 1
charge card 1
charge off 7
Charge offs 3
Charge-off 1
Charges 1
Chase 13
Chase Amazon 1
Chase Approval 1
chase freedom 2
Chase Freedom Unlimited 1
Chase Sapphire Preferred 2
Chase Sapphire Preferred 30 day Message 1
Chase Sapphire Reserve 1
Checking 2
Chexsystem EWS Credit 1
child support 1
Child Support Score Reporting 2
citi 3
Citi Diamond 1
Citibank 2
Citizens bank 1
citizens one 1
cli 2
CLIs 3
closed accounts 1
closed credit card 1
Closing 1
closing accounts 1
closing cards 2
closing credit accounts 1
Co-sign 2
Collecting 2
collection 5
collection account 4
Collection Agency 13
collection falsely reported 2
Collection Letter 2
Collection reported in error 3
collections 22
Collections HELP 9
college 1
comcast 1
Comcast collection 1
Comenity 1
comparison 1
Complaint 3
consolidation loan 2
consumer complaint 1
consumer finance 2
Consumer statement 1
convenience checks 1
cosign 1
Costco Anywhere Visa 1
Cra 4
credit 18
Credit & loan qualification 100
credit alert 1
Credit Approval 12
credit approvals 1
credit builder loan 1
credit building 4
Credit bureau 23
Credit Bureau Policy Changes 2
Credit Card 41
Credit card applications 3
Credit card applications credit cards 4
credit card approval 2
credit card approvals 1
Credit card car 1
Credit Card Consolidation 3
credit card debt 4
Credit Card Dec 2
credit card offers 1
credit card payments 2
Credit Card Payments to CR 2
credit card utilization 2
credit cards 16
Credit Check 1
credit check total 7
credit check total reviews 1
credit check total scam 1
credit checks 1
credit counseling 1
credit denials 1
credit disputes 3
credit drop 1
Credit education 36
credit file 2
Credit Fraud 7
Credit freeze 4
credit history 4
credit improvements 1
Credit in the News 2
credit karma 6
Credit Limit 11
Credit limit increase 14
Credit Line Increase. Upgrade 1
credit managing 4
credit mix 1
Credit monitoring 36
credit plateau 1
credit problems 2
credit pull 1
Credit rebuild 13
credit rebuilding 4
Credit Repair 5
credit repair help 7
credit report 35
Credit Report investigation 4
Credit reporting 42
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 1
credit reports 8
Credit reports collections 4
credit repot 1
credit score 39
Credit score fluctuations 1
credit scores 7
credit scores dropping 4
credit scoring 5
Credit sesame 1
Credit Tanked 1
Credit Tracker 2
credit union 6
credit unions 3
credit usage 1
credit utilization 1
CreditKarma 2
Creditor 2
creditwise 2
CSP 1
Customer Service 3
customer trust vs. lender trust 1
Dark web monitoring 1
data furnisher 1
data point 1
dates 1
dealership 1
debt 9
debt collection 5
debt collector 3
debt consolidation 3
Debt Management 158
Debt Paydown 2
debt repayment 2
Debt to Income 3
delete 1
Deleting court records 1
delinquency 1
Deliquent payments 2
Denial 1
denied due to many inquiries 1
Dept Credit Consolidating 1
Derogatory 4
derogatory mark 2
Derogs 1
discoer 1
Discover 6
Discover balance transfer 1
DISCOVER CLI 3
Discover IT 2
Discover IT Approval 1
Discover secured 2
discrepancy 1
dispute 10
dispute process 6
Disputes 29
diversified consultants 1
Diversity 1
document 1
DOFD 2
Drivetime 1
drop in experian score 1
Dropped Scores 2
DTI 4
DTI ratio 1
early exclusion 3
education 1
EE 2
employment 1
EQ: 761 EX: 709 1
equifax 32
equifax credit freeze 1
Equifax Fraud dispute 3
Equifax free credit freeze 2
Equifax Updating File Recycled Social Security Number 1
errors 3
Etc... 1
eviction 1
Excel 1
Experian 26
Experian app score 1
experian phone number 1
Experian. Dispute. 6
failure to pay 1
fair collection 1
FAKO 6
family financing 1
FCDPA 1
fco 1
FCRA 8
FCRA violation 1
FDCPA 2
fdcpa lawsuit federal collection agency 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 13
fico 8 6
FICO announcement 22
FICO announcements 1
fico mortgage 1
FICO Score 192
FICO Score 3B Report 5
FICO Score 9 11
FICO Score changes 348
FICO Score versions 137
FICO Scoring 12
FICO Ultimate 3B 3
finance 2
Financial Review 1
First Mortgage 1
first premier 1
First-time home buyer 1
foreclosure 2
Fraud 47
Fraud alert 3
fraud dispute 2
fraudulent 2
fraudulent account 1
free 1
free credit score 2
free FICO score 1
free score 4
free trials 1
Freeze 5
freeze credit 2
Frontline 1
full credit history 1
Full File Disclosure 1
furniture 1
Gardening 2
GC Collections services 1
General credit 9
good will 1
Good Will Letter 2
goodwill letter 1
Goodwill removal 1
graduate loans 1
great sports 1
Green Card 1
growing 1
GW letter 1
h 1
Hacked 1
hard 1
Hard inquiries 6
hard inquiry 5
hard money 1
Hard Pull 2
Hard pull inquiry 1
hard pulls 1
hardpull 1
HELOC 4
help 7
Help Boost my Credit 2
help with collections 2
Help! 3
high interest 1
history 4
home depot 1
Home improvement 1
Home Mortgage 1
housing 1
HP 4
Hunter Warfield 1
identity 1
Identity fraud 4
identity guard 3
identity theft 19
idk 1
illegal 2
immigrant 1
impersonation 1
improve 1
improving credit 3
Inaccurate info on report 1
incorrect reporting 1
Increase 3
initial limits credit union usaa 1
Innovis 1
Inquiries 6
Inquiries Summary 1
inquiry 6
installment loan 6
insurance 3
intent to sue 1
interest 1
interest rates 1
internet 1
invalid debt 1
iphone loan 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 1
joint account 1
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
judgement 4
judgment 1
junk debt 1
Kohls 1
L 1
landlord 1
Large usage 1
Last Four 4 social security debt collector call verification 1
late 1
late payment 4
late payments 9
lawsuit 3
learning curve 1
lease 5
legal 3
legal action 1
legal fees 1
Legal timeline to a collection agency 1
lender 2
lending club 4
Length of time account have been established 2
LexisNexis 5
lien removal 2
liens 1
limit 1
Limited credit history 2
Line of Credit 5
lines of credit 1
loan 7
loan and credits 4
Loan approval 6
Loan company sold 1
loan payoff 1
Loans 18
LOC 1
low income 1
Low Scores 3
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 1
maxed out 1
maximum 1
medical 4
medical bill 1
medical bills 2
Medical debt 1
Medical debt collection 2
Membership 3
method of validation 1
Mid cycle update 1
Military Star Card Collections 1
mix 1
money management 1
money managing 1
monitoring 2
Mortage loan 2
mortgage 13
mortgage credit 3
mortgage credit raise score 1
mortgage default 1
Mortgage History 1
mortgage loan 9
Mortgage scores 1
Mortgage Transfer 2
Multiple reportings 1
My Story 1
myfico 9
Myfico account 2
name variations 1
NASDAQ 1
national consumer assistance act 1
Navient 1
navy federal 1
Navy Federal approval 1
ndc 1
need help 1
Need loan fast 1
Negative items or DEROG 90
Negative Remarks 2
negative reporting 1
nelnet 1
new 1
new accounts 1
New car loan while old shows balance 1
new credit 2
New credit & loan 108
New credit & loans 1
New credit card 1
new home 1
New inquiry 1
new line of credit 1
new ssn 1
new to credit 1
newbie 3
NFCU 6
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
Nfcu visa platinum 2
no credit 1
no credit history 1
no credit while paying family for home loan 1
No dv letter response 1
no ftf 1
no hard inquiry 1
no hard pull 1
non-FICO credit scores 84
Non-FICO Scores 1
Nordstrom Visa 1
nyc 1
NYSE 1
Of 1
off 1
off cycle update 1
old accounts 1
old debt 3
Old late payments 2
only soft inquiry 1
Opt-out 3
Other 391
p2p loans 2
Paragraphs added.. For human consumption. 1
Pay-for-delete 1
paydown 1
Paying off debt 5
payment history 3
payments 2
Paypal 3
paypal collection 2
Paypal Credit 3
Pen Fed 3
Pending 1
penfed 5
PenFed Auto Loan 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Perfect Score 1
persona loan 1
personal 1
Personal finance apps 4
personal lines of credit 2
Personal loan 24
personal loans 5
Phone 2
Platinum Credit Card 1
PLOC 2
PLOC APR REDUCTION 1
poor credit 1
portfolio 1
Pre Approval 1
pre-qualified 1
Premier Financial Credit Union 1
PRG 1
private loans 1
problems 1
profiles 1
prosper 2
public records 4
Question 12
QuickSilver 1
quicksilver one 1
quizzle vantage 1
raise score 1
raising credit score up fast 1
Ratio 1
Rausch sturm israel enerson & hornik 1
Reaffrimation 1
rebuild credit 2
Rebuilding 9
Rebuilding credit 12
Rebuilding Credit after Bankruptcy 3
recovery time 1
refinance 1
Refinance of Rental Property 1
reinsert collection 1
remodel 1
removal from credit report 4
removal letter 1
removal of lates due to forebearance 1
Remove State Liens 1
removed collection 2
removing credit accounts 1
rent 5
renting 2
Repay 1
report discrepancy 4
Report freeze 1
reporting 18
Reports 3
repossession 2
resident 1
restaurants 1
Retail cards 105
Rewards 2
Rewards cards 117
roommate 1
Rosenthal 1
run 1
RV loan 1
saferwholsale 1
Santander auto 1
saving 1
savings 2
Scam 4
scams 2
sccu 1
score 8
Score and bankruptcy 1
score damage 2
score drop 5
score impact 2
Score improvement 232
score increase 1
Score ingredients 29
scores 3
Scores increase 2
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
secured cards 1
SECURED CREDIT CARD 5
secured loan 4
security freeze 2
see 1
self 1
selflender 1
Share lender credit builder credit loans 1
shopping cart 1
Shopping Cart Trick 1
Shopping Cart Trick 2018 1
simulator 4
Sleepys 1
small claims 1
sofi 3
Sofi personal loan 3
soft inquiries 4
Soft pull 2
soft pulls 2
split file 2
split files 2
spreadsheet 1
SSI 1
SSL 3
SSN 1
Star Card 2
State Tax Lien 1
statement 4
statue of limitations 2
statute of limitations 1
Stock Market 1
store card 1
student 1
student loan 6
Student loan age of credit history 3
Student Loan Simulator 1
student loans 9
subprime cards 1
subscription 1
subscriptions 1
success 1
sue 1
sued 1
Sueing 1
Suggestions for BT card 1
superior rental purchase 1
Synchrony 1
T mobile 1
tax 2
tax lien 2
Texas Debt Verification 1
Texas Guarentee 1
Time since most recent account opening is too short 1
timeline 1
Timing 1
Too many credit cards 1
too many inquiries 1
tradelines 2
traffic ticket 1
transunion 16
transunion dispute 4
Transworld Systems 1
tranunion dispute 1
Travel cards 41
Travel rewards 2
TSI 1
tu 4
TU: 777 1
Tuition 1
U.S. Bank 2
Ultimate 3B 1
unusual behavior 2
update 1
updates 5
upside down 2
upstart 1
us bank 1
US Bank Premier Line of Credit 1
usage 2
utilization 10
Uverse 1
va loan 4
vantage 3
Vantage Score 6
Variance between OC & collections dates 1
Verification 2
Verizon Fios 1
victim 1
Victoria's secret 1
VISA cards 2
Volvo 1
Volvo Financial Services 1
Wells Fargo 2
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
You Can Get to 850 1
young 1
zero 1
zombie debt 1