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mendelssohn

It's Friday! Lurkers check in!

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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!

Nice work!

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Lurking is an understatement for me....all of you long time CBers who posted on this thread may not know just how much but you not being judgmental and offering support and wisdom is amazing. I have been reading on here for so long and just made my first post a little bit ago and know with the knowledge and great people on here that it will turn out in my favor. That being said, it was quite long winded but wanted to get all the details out here so hopefully it will not need to many questions back my way as all of your time is valuable.

 

Mendel, thanks for the topic, a nice ice breaker for me to stop the lurking!!! I am not kidding anybody, I will continue to read/learn/lurk as I always do....just not use my friends account.

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Enjoying another Friday serving of Credit boards.. Thanks all!

 

Sent from my SM-G900P using Tapatalk

Edited by IH8SPM

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We are still here and watching. We have learned a lot about some of the problems people are facing with credit and debt collections. Keep up the good work.

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We are still here and watching. We have learned a lot about some of the problems people are facing with credit and debt collections. Keep up the good work.

 

Really now. Nothing about this account indicates that FTC_GUY is actually FTC.

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Enjoying another Friday serving of Credit boards.. Thanks all!

Sent from my SM-G900P using Tapatalk

Yum!

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We are still here and watching. We have learned a lot about some of the problems people are facing with credit and debt collections. Keep up the good work.

 

:wave: You should post more. It's cathartic. :D

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I guess I qualify as a lurker now... not making any credit moves, scores all over 800 since August...

 

Can't stop reading the board though... just don't have much to say.

 

I guess maintaining is better than rebuilding! :wave:

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I guess I qualify as a lurker now... not making any credit moves, scores all over 800 since August...

 

Can't stop reading the board though... just don't have much to say.

 

I guess maintaining is better than rebuilding! :wave:

 

Just help the newbies. That might keep you from apping. :D

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I guess I qualify as a lurker now... not making any credit moves, scores all over 800 since August...

 

Can't stop reading the board though... just don't have much to say.

 

I guess maintaining is better than rebuilding! :wave:

 

Just help the newbies. That might keep you from apping. :D

 

ha... helping newbs just gets the app juices flowing and the trigger finger itchy...

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I guess I qualify as a lurker now... not making any credit moves, scores all over 800 since August...

 

Can't stop reading the board though... just don't have much to say.

 

I guess maintaining is better than rebuilding! :wave:

Just help the newbies. That might keep you from apping. :D

ha... helping newbs just gets the app juices flowing and the trigger finger itchy...

TBH I don't have the desire to app for anything right now.

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I guess I qualify as a lurker now... not making any credit moves, scores all over 800 since August...

 

Can't stop reading the board though... just don't have much to say.

 

I guess maintaining is better than rebuilding! :wave:

Just help the newbies. That might keep you from apping. :D

ha... helping newbs just gets the app juices flowing and the trigger finger itchy...

TBH I don't have the desire to app for anything right now.

 

 

Me either.

 

Please don't misunderstand... I want to want to apply for something, but I just don't.

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I'm still lurking around... Hate that I dont have more time to stay up to date.

 

Still making moves here and there credit wise. Ive pretty much maxed my CL's for my given income. But its still fun to try.

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Back in '14 when i joined I was just a guy with some nondescript plastic in his wallet who used a debit card most of the time.

 

My credit rating was already 'good enough.' CB provided the info I needed to make it excellent.

 

Thanks to CB:

1. I learned how to maximize C/C rewards to suit my spending situation.

2. I increased my personal credit lines to near $200K. Not a lot by some standards but way more than I can ever envision using.

3. I learned how to closely monitor my inquiries, credit reports and scores.(See #4)

4. I was fully prepared to quickly and confidently shut down an ID thief.

 

I may not say much here but I love this site.

 

 

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Back in '14 when i joined I was just a guy with some nondescript plastic in his wallet who used a debit card most of the time.

 

My credit rating was already 'good enough.' CB provided the info I needed to make it excellent.

 

Thanks to CB:

1. I learned how to maximize C/C rewards to suit my spending situation.

2. I increased my personal credit lines to near $200K. Not a lot by some standards but way more than I can ever envision using.

3. I learned how to closely monitor my inquiries, credit reports and scores.(See #4)

4. I was fully prepared to quickly and confidently shut down an ID thief.

 

I may not say much here but I love this site.

 

 

 

:good:

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OK, I'll play.

 

I owe it to y'all, I'm starting my credit journey--again. I was here 8-10 years ago and built up $2-300,000 in credit trying to keep myself together as the 2008-2009 fiasco took place. I was in RE and construction and stayed afloat for a few years. But it was not to be. So I weathered the storm and want to build my life back up again. I don't have much credit yet but a lot of drive and patience. This site has been very instrumental in my development and I have no doubt the I can not only do it again, but better. I want to thank Mr M, CV, and many others who contribute their knowledge and sweat to share their PRICELESS information to the rest of us. And a special thank you to Breeze for creating the site.

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Newbie here. Been lurking for a few months. Tackled my defaulted student loans over the last year. Last December was the first time I dared look at my credit report. It was so stressful actually looking at it. Now, a year later, I obsessively need to look at my report every couple of days. :D

I came across this board as I was researching student loan rehab and consolidation when I was trying to figure out how to get a mortgage.

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I guess I qualify as a lurker now... not making any credit moves, scores all over 800 since August...

 

Can't stop reading the board though... just don't have much to say.

 

I guess maintaining is better than rebuilding! :wave:

Just help the newbies. That might keep you from apping. :D

ha... helping newbs just gets the app juices flowing and the trigger finger itchy...

TBH I don't have the desire to app for anything right now.

 

 

Me either.

 

Please don't misunderstand... I want to want to apply for something, but I just don't.

 

C$R is the only card available that could lure me into apping. We'll see come February.

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Since I started participating in the board I guess this will be my last Lurker check in..

 

Sent from my SM-G900P using Tapatalk

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