The Goku4 Running Credit Thread

[Goku4]

On 12/1/2023 at 4:28 PM, MarvBear said:

Joe has had ample opportunity to learn the ropes here.  But I don't believe he ever really did.

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[Goku4]

Nothing much going on here.. just paying down my cards with every dollar I have and get.

 

I should do the $300 cards first to help with UTIL then do the larger balance ones after...

[Goku4]

Possible dumb question.. when you "replace a new card," they automatically give you a new card number, right?

[Goku4]

Just paying stuff, presently. That's the update. 

 

I don't think we are gonna replace the present car. I just don't see it.

[Goku4]

I think my FICO 8 is 598 right now

[Goku4]

Does "In review" ever have the ability to go to "approved?" And is there a backdoor number for Southwest?

[Goku4]

Well Experian FICO 8 says my credit score is 640...

[Goku4]

It's still saying 640.. and I got an Auto CLI 

[Goku4]

Balances still going down

[Goku4]

I think it's at 633 now. 

[Goku4]

Credit score holding steady at around 633, though it may fall soon because I'm in a program so I might fall behind on some...................

[Goku4]

Credit score still 633. Still not answering phone for Portfolio. Made payment $333.38 to "Pay off" "Capital One card today.

 

Gotta see what dates Capital One reports.. I wonder if on the 1st?

[Goku4]

Two letters going out today. 

One:

April 28, 2024

FROM: Goku4

TO: Experian

       PO Box 2002

       Allen TX 75013-0036

RE: Free Credit Report

To Whom It May Concern at Experian:

                Hello. I am in receipt of a letter dated March 5^th that I was denied credit for a Southwest Airlines card. I am writing within 60 days of my receipt of it to request a free copy of my Experian credit report. Thank you.

                Sincerely, - Goku4

Two:

April 28, 2024

FROM: Goku4

       TO: TransUnion

       T.U. Consumer Relations

       2 Baldwin Place, PO Box 1000

       Chester PA 19016

RE: Free Credit Report

To Whom It May Concern at TransUnion:

        Hello. I am in receipt of a letter dated March 5^th that I was denied credit for an At Home Mastercard. I am writing within 60 days of my receipt of it to request a free copy of my TransUnion credit report. Thank you.

        Sincerely, - Goku4

[Goku4]

Holding steady at a FICO 8 score of 640!

 

Still ignoring Portfolio Recovery.. Should I ever contact or pay them to try to get a reduced amount!? Or just keep ignoring them?!

 

[Goku4]

Got $50 advance from Dave app and credit score is still 628. 

 

Should be MASSIVE improvement soon....

[Goku4]

Presently just maintaining and struggling to pay minimums. Goal is to not default and to level up.

 

You all?

[Goku4]

Just trying to pay minimums. Struggling.

[Goku4]

I'm ending the year on a blonz spree of paying all my creditors minimum payments in order to get caught up. We are going "okay"

[Goku4]

I got one of my accounts current a few days ago and now my car is having issues, have to get that sorted out so I can continue to make money and pay these off. That's first order of business. Happy 2025.

[Goku4]

So, I paid off Affirm today. No more lingering payment for stuff I just did not have the money to buy at the time I may have been about two weeks late on my goal but I DID get it done. 

 

 

 

Here is what my present situation and notes of what to pay when looks like. If I can pull up from the nosedive that started 2025 (and it is looking likely!) I should be able to do it.

 

(And Affirm isn't on there because I paid it off this morning. That's an achievement.) 

 

 

 

[Goku4]

This week:

 

1. Paid off Affirm; I'll call that goal met. No more paying for things I bought in 2023 or so.

 

2. Made payment to Amazon and Meijer yesterday; thats why the info onto those TLs is blank on my chart.

 

3. MISSED payments to Milestone, Destiny, and Indigo; will see what I can do with them this month. They offered me settlement. May be too rich for my blood but I want to be done with them anyways, so. Might close over the monthly fee. So watch them waive the monthly fee when I call to cancel. I have the power.. 

 

4. Bought a new car. 500 bucks. And let me tell you... it did NOT have the problem the guy that sold it to me thought it had, win for me (it's about time) 10x better than the old one. And I've only had it about 41 hours or so....

 

[Goku4]

So I fixed my brake lights and I'm doing a pretty good job of making as much money as possible to be able to make all my minimum payments and keep my accounts from being the link with any more than they already are.

[Goku4]

Brake lights replaced.. after much diagnosis. Both stopped working at same time.. replaced in a pair.. problem solved (After diagnosing the signal and power delivery side of it.)  Took about an hour and a half but I got it done.

 

I also paid Merrick Bank minimum payment ON TIME (one day before the due date) this month so we are moving in a good direction...  This is better than having it $400 over the credit limit and not paying for 3 months.

 

 It looks like I'm going to be able to save all of my accounts from going to collections... I only have one left and it shouldn't be a big deal it's Portfolio so I'll shoot them a line when I'm ready and just pay the discounted and ask for a PFD on top of that because why not... but that won't be until June or later.....

[Goku4]

Is not entirely sure if anyone is actually seeing my thread... But good news. I've been able to stop the bleeding and I've at least made the minimum monthly payment on all of my cards.

 

 I did get maybe 1 or 2 games on late payments despite my best efforts but being Bing on maybe 2 maybe 3 accounts out of 10 was a lot better than having Them all sent to collections which would have undone all my progress just like what happened in 2020 and 21.

 

So I'm going to try to pay everything down now.

 

Everything was over limit and late and when I say overlimit I mean by 3 close to $400 sometimes while all of that has been made at least even so put the past 3 or 4 months I've accomplished my goal going into February with a goal.

[hdporter]

We're here, taking your progress in.  Good to hear that you're pretty much up to date.

 

You may wish to start building up a decent rainy day fund that is hardy enough to see you through one other two modest storms.

 

Your journey to date brings to mind the spider climbing the waterspout in the song who is washed away each time it rains and starts climbing anew.