General Gloating

For just about anything you want to get off your chest about credit cards.
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djrez4
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General Gloating

Postby djrez4 » Mon May 12, 2014 1:29 pm

On July 31, 2012, I posted my very first post here. (I think I may have been sitting in the exact same chair.) It was called The Zen of Being Approved. It was really long and self-indulgent and I apologize to any of you who actually read the entire thing. If you haven't, don't waste your time.

What's important is that, in that post, I revealed my outstanding credit delinquencies. The one lender that has stubbornly refused to drop off my reports is Capital One. That old account was a red, neon sign, flashing "CHARGE-OFF....CHARGE-OFF" to any lender who perused my credit. Each credit application was like speed-dating with a list of STDs tattooed on your forehead.

Last week marked six and one half years since I let that account go delinquent. I sent off a round of online and fax disputes, screaming out to the CRAs "it's time for me to be clean again!" I wasn't sure if they heard me, or listened, until today.

This morning, I pulled all three credit reports.

Capital One does not appear on any of them.

:lift:
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]


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FastSRT8
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Postby FastSRT8 » Mon May 12, 2014 2:28 pm

LOL you won by waiting in out...
Carpe diem quam minimum credula postero!

MemberSince99
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Postby MemberSince99 » Mon May 12, 2014 4:01 pm

Amazing you remember your first post here. I can't remember mine.


I read the whole thing and enjoyed it. I guess that makes me even weirder. But I like reading people's stories like that. There is always something to learn.


Congratulations. Gloating is in order. Feels good doesn't it? That should boost your score.

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djrez4
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Postby djrez4 » Mon May 12, 2014 4:42 pm

MemberSince99 wrote:Amazing you remember your first post here. I can't remember mine.

It's not that hard to find - http://creditcardforum.com/american-express/4552-lessons-learned-retrospect.html
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

[/RIGHT]

PallasAthena
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Postby PallasAthena » Tue May 13, 2014 12:06 am

Congrats!
I'd like to gloat, too, if that's OK.
I filed bk in 2006 and foreclosed in 2007/2008. I had so many delinquents and my credit score dropped into the 500s. Fast forward to two months ago (March 2014), I finally wrote enough letters so that every single negative dropped off my credit reports (all 3) except for the bankruptcy, which is supposed to disappear in 2016.
My FICO score (that appears on my discover statement) is 719.
:cheers: :D
Oct '16
TU: 783, Equifax: 772
Ch 7 BK in '06, finally dropped off in '16
2 mortgages
paid off car
0 CC debt (Disc, Citi, and WF Amex)
furniture debt: $1800
Closed unused CCs, was dinged a few pts, but recovered
I filed for BK in '06 and was in debt over $500K. Never again! You can do it too! :lift:



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