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mendelssohn

It's Friday! Lurkers check in!

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I know there's a "master delurking thread" btw. I'm going to bump this thread each Friday.

 

We've had some great success stories recently from lurkers, so I thought we could see who is out there reading and maybe get some to become regular contributors here. :good:

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I been reading and reading and I'm ready to start my credit journey. I just need the time to look over my credit report so I cant start the process. I guess over Thanksgiving weekend might work.

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I been reading and reading and I'm ready to start my credit journey. I just need the time to look over my credit report so I cant start the process. I guess over Thanksgiving weekend might work.

We are ready to help so don't put it off to long your credit health is as important as your health.

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Not sure if I am a lurker or not. I definitely read more than I type.

 

I've seen you post before.

 

I'm hoping to draw some people out of the woodwork who have possibly never posted before.

 

But you should post more often. :D

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I'm hoping to draw some people out of the woodwork... who have possibly never posted before.

 

...or basket :P

Hiding_01_zpsrr9ntaib.jpg

It's safe to come out... we don't bite :wave:

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I'm sort of a lurker. I just hit the disco luv button and got 1500 cli to 6400. I've been know to post on occasion.

Total available credit is at 60k. Not bad for a 708 fico with a BK from 2013

 

Sent from my Nexus 6P using Tapatalk

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Proudly lurking since 2011.

 

Career/savings goals have taken priority the last few years but still picking away at building a better profile. I'll be one of the elite eventually! The motivation that I got from this site to take our credit seriously has carried over into other financial areas, so thank you all.

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Hi

 

So what's your credit story? :wave:

 

 

Well, after spending most of my twenties living like credit didn't matter that much, I finally came to my senses about 5 years ago and tried to start getting my finances in order. I think I was 26 at the time. I found this board and did a lot of reading but didn't really put anything into action because I was deployed at the time. Fast forward another 2 years and I met my now wife and she had great credit and was very good with her finances. She has really been the main motivator in me getting my credit turned around. The goal was to refinance out house (only in her name) using my VA eligibility to pull some equity out and pay off our high interest credit card debt from the wedding.

 

While I was in the Navy I accumulated some stupid loans from military predatory lenders and stopped making payment after I got out of the Navy. Needless to stay my credit was trash. I think I started near the bottom 500's with 7 charge offs, 1 judgement, 4 defaulted private student loans (pre Navy), and over 25 30-120 day lates on the small credit cards that I did have. After reading these boards every day and putting things into action I got the judgement removed, 5 of the 7 charge offs removed, most of the lates removed, and am waiting for 2 of the military lending loans to fall off because I'm still in SOL on those and don't want to wake the bear.

 

Ive built my available credit from $1000 to $65,800 in about a year and a half from Navy Fed, Capital One, Sync, and Citi. My scores just popped over 680 this past month and are still rising. We were able to refinance our house into both of our names last month at 3.25% and paid off all of our high interest debt (about $25k) and are debt free as of now (except for the house)! The only baddies I have left are the 2 military lending charged off loans, like 3 or 4 30 day lates that are stuck like glue it seems, and a paid collection from T-Mobile from 2 years ago. Still working to get these taken care of though.

 

I post occasionally if there is something that interests me, but for the most part I just like to soak it all in. These boards have been amazing and I'm truly grateful for all of the people here that share all of this great info.

Edited by Particledropp

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Hi

 

So what's your credit story? :wave:

 

 

Well, after spending most of my twenties living like credit didn't matter that much, I finally came to my senses about 5 years ago and tried to start getting my finances in order. I think I was 26 at the time. I found this board and did a lot of reading but didn't really put anything into action because I was deployed at the time. Fast forward another 2 years and I met my now wife and she had great credit and was very good with her finances. She has really been the main motivator in me getting my credit turned around. The goal was to refinance out house (only in her name) using my VA eligibility to pull some equity out and pay off our high interest credit card debt from the wedding.

 

While I was in the Navy I accumulated some stupid loans from military predatory lenders and stopped making payment after I got out of the Navy. Needless to stay my credit was trash. I think I started near the bottom 500's with 7 charge offs, 1 judgement, 4 defaulted private student loans (pre Navy), and over 25 30-120 day lates on the small credit cards that I did have. After reading these boards every day and putting things into action I got the judgement removed, 5 of the 7 charge offs removed, most of the lates removed, and am waiting for 2 of the military lending loans to fall off because I'm still in SOL on those and don't want to wake the bear.

 

Ive built my available credit from $1000 to $65,800 in about a year and a half from Navy Fed, Capital One, Sync, and Citi. My scores just popped over 680 this past month and are still rising. We were able to refinance our house into both of our names last month at 3.25% and paid off all of our high interest debt (about $25k) and are debt free as of now (except for the house)! The only baddies I have left are the 2 military lending charged off loans, like 3 or 4 30 day lates that are stuck like glue it seems, and a paid collection from T-Mobile from 2 years ago. Still working to get these taken care of though.

 

I post occasionally if there is something that interests me, but for the most part I just like to soak it all in. These boards have been amazing and I'm truly grateful for all of the people here that share all of this great info.

 

 

Sounds like you've made a lot of progress! Keep it up. :)

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Hi, I'm DolphinTales and I am de-lurking :).

I really am in awe of and so appreciative for the mods, site owners and contributors here.

Some here I hold in esteem as "rock stars". I realize the time, effort and strategy that it takes to get in that position.

That they take the time to share their journey and results in a public forum and encourage and instruct others is incredible!

I have lurked for many years. I feel so fortunate to have come to the realization early that this site is the most important one.

I know hours of reading here are a productive use of my time, but sometimes it is hard to justify this appropriately to others who do not have the passion I have to improve and prevent future mistakes. You all "get it".

I too was caught up in the downfall of 2008, I have suffered from my mistakes, and I am thankfully not living under a bridge, now understanding how un-bulletproof I was.

Like many others here, I am experiencing the extreme value of time (7 years) and some of my well-directed efforts, but I wish I hadn't made the mistakes I have by reacting without the knowledge I later gleaned. I really did try and read and study, it's just hard sometimes to be patient enough to make the right moves, in the correct sequence.

I should have posted before. Asking for help when there are many here that can help, is the right way to go, I know now.

I believe that you all would have seen that I had done my research, tried to formulate a plan of attack on my own, and you would have critiqued my plan to my benefit. I want to encourage others to share here, not just read and "lurk".

Briefly, I went from great credit to bad decisions in a time in the real estate market that I wasn't really prepared for, to charge-off's, collections, judgments, public records, late mortgage payments and (thankful) short sale instead of foreclosure.

From the 500's, living on cash, not able to answer my phone, to now.

I want the fewest number of cards with the highest limits and to learn more about travel points.

I absolutely PIF monthly before statement date, except $2 on one.

I am not clean yet on any report but recent CCT scores EX 740/EQ 710/TU 733.

I am trying to position myself to develop major bank relationships.

I have:

NFCU Flagship 25k

WF Sig Visa 12K

Cap One QS 6K

Cap One QS 3.5k

I am still reeling from the NFCU instant approval in Aug this year!

Took many calls and a couple of years to get secured 1k WF to unsecured 1k to 4k to 7k to 12k!

Cap One's are a work in progress since June 2014 (I burned them in 2008--they remember :)

Recently opened a Chase checking account to re-establish relationship after burning them for $3k in 2008 (probably blacklisted--I know the importance of getting back in)

Burned AMEX, did a 50% settlement, blacklisted. Called last year and I can pay 3k or so and be able to reapply but with no backdating, I am weighing real benefits. for me.

Just wanted to break the ice and start participating in the board instead of waiting until I thought it was a better time :).

Hi to all and thank you again from the bottom of my heart!

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