My journey to credit repair starts NOW!!!!

[futurehomeowner?]

I am proud to say that my TU is officially clean. I disputed off my car loan the other night as obsolete. It was gone in 12 hours. I went through lending club to see my FICO this afternoon and it was 739. I have 1 card at 90% util because of 0% interest deal but we transferred that to a 0% for 18 month card so when that happens and reports my overall util will be around 3%. I can't wait to see what my score does when I have perfect pay history, no baddies, and 3% util. Now if I can only get my car off 1 of the other 2 I can reapply for mortgage and my mid score should be in the mid 700s.

 

THANK YOU CREDITBOARDS AND ALL OF THE GREAT CONTRIBUTORS.

[TX-Bluebonnet]

:clapping:

[KCgrrl]

.... I was looking at some cards and decided on the Chase Freedom. It has a 5% rewards, no fee, 0% BT, and a quarterly bonus....

Do you mean no BT fee???? Or, no annual fee?

[futurehomeowner?]

It does have a BT fee of 3% but no annual fee.

[futurehomeowner?]

 

My current FICO is 538 and hers is 612

 

Thank you for reading.. Now let the good times roll!!!!!!!!!!!!!!!!!!

 

A little over a year removed and our current FICOs (the highest of the 3) are me 775 and her 739. After re reading my first post in this thread I truely can not believe we have made it this far. The only thing that I am having a tough time going away are the stupid pay day loans that I took out. The calls have gone from 6 a day down to a few a month. I can tell when one scammer sells my info to the next because I get a ton of calls for about a week and then they go away for 6-8 weeks. I am hoping as time goes on they will eventually fade away.

[HoustonLynne]

My current FICO is 538 and hers is 612

 

Thank you for reading.. Now let the good times roll!!!!!!!!!!!!!!!!!!

A little over a year removed and our current FICOs (the highest of the 3) are me 775 and her 739. After re reading my first post in this thread I truely can not believe we have made it this far. The only thing that I am having a tough time going away are the stupid pay day loans that I took out. The calls have gone from 6 a day down to a few a month. I can tell when one scammer sells my info to the next because I get a ton of calls for about a week and then they go away for 6-8 weeks. I am hoping as time goes on they will eventually fade away.

Such inspiring progress...thank you for your story, futurehomeowner! And +1 on the payday loan vultures...I hope they eventually get bored enough to disappear altogether.

[TauntingBull]

Congrats on the amazing progress futurehomeowner....

[anniebananie029]

Thank you for posting your journey! I am new to the boards and just starting to read and read and read... It can get overwhelming with the amount of new information, so it is sooo helpful to read a journey like yours to inspire me! When I am ready I hope to start a thread similar to yours and get as good results as you did.

[cv91915]

Well played!

[ChrisAZ]

I am proud to say that my TU is officially clean. I disputed off my car loan the other night as obsolete. It was gone in 12 hours. I went through lending club to see my FICO this afternoon and it was 739. I have 1 card at 90% util because of 0% interest deal but we transferred that to a 0% for 18 month card so when that happens and reports my overall util will be around 3%. I can't wait to see what my score does when I have perfect pay history, no baddies, and 3% util. Now if I can only get my car off 1 of the other 2 I can reapply for mortgage and my mid score should be in the mid 700s.

 

THANK YOU CREDITBOARDS AND ALL OF THE GREAT CONTRIBUTORS.

Congrats!

[GetWisdom]

 

 

My current FICO is 538 and hers is 612

 

Thank you for reading.. Now let the good times roll!!!!!!!!!!!!!!!!!!

 

A little over a year removed and our current FICOs (the highest of the 3) are me 775 and her 739. After re reading my first post in this thread I truely can not believe we have made it this far. The only thing that I am having a tough time going away are the stupid pay day loans that I took out. The calls have gone from 6 a day down to a few a month. I can tell when one scammer sells my info to the next because I get a ton of calls for about a week and then they go away for 6-8 weeks. I am hoping as time goes on they will eventually fade away.

 

 

An awesome and inspiring journey, congrats!

[futurehomeowner?]

On Monday we are closing on our house and my repair journey will officially be over. I am planning my app spree for Monday night/Tuesday morning

 

We don't do a ton of spending so I am going with a few cards that give decent perks such as 0%, discounts, and rewards

I plan on getting (notice I said getting and not just applying)

1. Home Depot

2. Lowes

3. Kohls

4. Hilton Honors

5. Southwest Visa

 

There is nothing else that I can think of that we need, any suggestions are appreciated.

[JayB27]

Congratulations futurehomeowner. I guess your name needs to be changed now...

 

You are an inspiration to many of us.

 

Enjoy YOUR new home.

[chugs102]

On Monday we are closing on our house and my repair journey will officially be over. I am planning my app spree for Monday night/Tuesday morning

 

We don't do a ton of spending so I am going with a few cards that give decent perks such as 0%, discounts, and rewards

I plan on getting (notice I said getting and not just applying)

1. Home Depot

2. Lowes

3. Kohls

4. Hilton Honors

5. Southwest Visa

 

There is nothing else that I can think of that we need, any suggestions are appreciated.

 

 

Congrats!!

 

Wraparound at nowahomeowner!'s new house!

[futurehomeowner?]

Thanks all. Chugs I had no idea what a wraparound was so I googled it. Boy there are a lot of meanings for that.

http://en.wikipedia.org/wiki/Wraparound

[mendelssohn]

On Monday we are closing on our house and my repair journey will officially be over. I am planning my app spree for Monday night/Tuesday morning

 

We don't do a ton of spending so I am going with a few cards that give decent perks such as 0%, discounts, and rewards

I plan on getting (notice I said getting and not just applying)

1. Home Depot

2. Lowes

3. Kohls

4. Hilton Honors

5. Southwest Visa

 

There is nothing else that I can think of that we need, any suggestions are appreciated.

Congrats on the house! Your username is now obsolete.

[futurehomeowner?]

I meant to apply under my wifes name since she is not on the home loan but I wasn't thinking. Owell, shouldn't matter. By far my largest credit line.

 

Congratulations! Your application for Southwest Airlines Rapid Rewards Premier Card has been approved.

You'll receive your new card and Cardmember Agreement in 7-10 business days. When your card arrives, please confirm you received it by logging on to Chase.com or calling the toll-free number provided.

• Your new account has a Credit Access Line of $12,000.
  If this does not meet your needs, you can discuss available credit line options with a Customer Service Specialist when you call to confirm receipt of your card.

[dvd]

Congrats on your success! I really enjoyed reading about your journey.

[lbenn750]

Congrats on your successful journey ... just read your whole thread! I just started this year (March 2015). Hoping my journey will be as successful as yours! Our goals are a little different: refinance our car loan ... Improve our business options for credit!

[futurehomeowner?]

Good luck. It was hard work but very much worth it. We are going on a cruise next week and thanks to this rebuild I opened a southwest card with 50k miles. It was enough for 2 round trip tickets which saved us $700. Another great benefit to.good credit.

[futurehomeowner?]

Well I just effed myself for the first time since repair. I have 3 chase cards. Limits are 12k, 8k, and 5k. I ave balances on all 3 which were due to 0% offers which worked out great when we bought the house for stuff we needed. Anyways, my 12k card has $1400 on it and I wanted to pay it off this month. I needed to wait for paycheck which was the 10th. My tracker had this card due on the 11th. I went in to make the payment on the 10th and it showed due on the 9th. Ok no biggy I PIF and move on. Today I log in to pay my other cards which are due next week and I see they balance chased me on all 3 cards. They took them to 5k, 2.5, and 3.1. I am so annoyed at myself that over being 1 day late by accident they killed 15k in available credit which shot my util up by 16%. Sigh.

[cv91915]

Well I just effed myself for the first time since repair. I have 3 chase cards. Limits are 12k, 8k, and 5k. I ave balances on all 3 which were due to 0% offers which worked out great when we bought the house for stuff we needed. Anyways, my 12k card has $1400 on it and I wanted to pay it off this month. I needed to wait for paycheck which was the 10th. My tracker had this card due on the 11th. I went in to make the payment on the 10th and it showed due on the 9th. Ok no biggy I PIF and move on. Today I log in to pay my other cards which are due next week and I see they balance chased me on all 3 cards. They took them to 5k, 2.5, and 3.1. I am so annoyed at myself that over being 1 day late by accident they killed 15k in available credit which shot my util up by 16%. Sigh.

 

That sounds like an outsized response. Do you have high utilization on other cards? Any recent lates on other accounts (and have you double checked to be sure)?

[futurehomeowner?]

I only have 1 other card with a balance and it is at 50% with 0% transfers. I did have a FR with chase about 3 months ago but the rep said everything was ok.

 

Not sure what is going on. I guess I could call but I assume nothing would be done.

Oh, and I have not checked reports I'm about a month but was at 721 last time I checked with no baddies. I will check tomorrow, we have plans today and don't want to be annoyed if something bad popped up.

[cv91915]

I only have 1 other card with a balance and it is at 50% with 0% transfers. I did have a FR with chase about 3 months ago but the rep said everything was ok.

 

Not sure what is going on. I guess I could call but I assume nothing would be done.

Oh, and I have not checked reports I'm about a month but was at 721 last time I checked with no baddies. I will check tomorrow, we have plans today and don't want to be annoyed if something bad popped up.

 

I haven't heard of a Chase FR. They have their eyes on you...

 

Enjoy your day and update us when you know more.

[futurehomeowner?]

 

 

I only have 1 other card with a balance and it is at 50% with 0% transfers. I did have a FR with chase about 3 months ago but the rep said everything was ok.

 

Not sure what is going on. I guess I could call but I assume nothing would be done.

Oh, and I have not checked reports I'm about a month but was at 721 last time I checked with no baddies. I will check tomorrow, we have plans today and don't want to be annoyed if something bad popped up.

I haven't heard of a Chase FR. They have their eyes on you...

 

Enjoy your day and update us when you know more.

Hmm that's my luck. I wonder if it had something to do with 3 new chase cards for 20k, then 100k mortgage a month later. Then 10k charged on the cards in short time on my crappy income.

 

I just checked all 3 reports even though I said I wouldnt. No negatives and chase has not even soft pulled me. I guess they just don't like me. I don't even think I screwed them in my bad credit days.