I screwed up terribly early in life.. I defaulted on several cards, including a $12,000 discover card. I was trying to start a business, and got screwed really bad, losing about $35,000 I had saved up, being cornered into living on the cards to survive. It sucked. My fault though, I was naive and irresponsible.
Granted, I did the right thing, I settled all of the debts and paid as much as I could to the creditors satisfaction. For my entire life, I have had credit filled with bad marks. I knew the last bad mark, the $12,000 card I defaulted on, it was scheduled to be removed from my credit altogether by november.
I just checked, and yay!
Accounts: 15+
Open Accounts: 6
Closed Accounts: Unavailable
Inquiries: 15+
Derogatory Items: 0
Delinquencies: Unavailable
Total Revolving Balances: $7,000-$7,999
I've been on top of my bills for the past 3 years, only missing one payment to dell because they never sent me the bill and I completely forgot about it. BUt I promtply paid that account off. I just paid off another card, of which i used to by a couch (it was $2k, i put $1k down and borrowed the rest), and since that was several days ago, I doubt it's been reported. I have that I owe about $6,700 since paying off that card. which should help kick my score up a little bit more, and next month, I'm putting another $3k down on my debts.
whooorah! it feels good. At one point, I tried to rent an apartment and when they ran my credit, they laughed at me and asked me to leave. 🙁
Granted, I did the right thing, I settled all of the debts and paid as much as I could to the creditors satisfaction. For my entire life, I have had credit filled with bad marks. I knew the last bad mark, the $12,000 card I defaulted on, it was scheduled to be removed from my credit altogether by november.
I just checked, and yay!
Accounts: 15+
Open Accounts: 6
Closed Accounts: Unavailable
Inquiries: 15+
Derogatory Items: 0
Delinquencies: Unavailable
Total Revolving Balances: $7,000-$7,999
I've been on top of my bills for the past 3 years, only missing one payment to dell because they never sent me the bill and I completely forgot about it. BUt I promtply paid that account off. I just paid off another card, of which i used to by a couch (it was $2k, i put $1k down and borrowed the rest), and since that was several days ago, I doubt it's been reported. I have that I owe about $6,700 since paying off that card. which should help kick my score up a little bit more, and next month, I'm putting another $3k down on my debts.
whooorah! it feels good. At one point, I tried to rent an apartment and when they ran my credit, they laughed at me and asked me to leave. 🙁
