Another countdown! I feel like it has been a minute since I have heard from everyone and I thought I would drop a post... As September grows near, lots of changes are on the horizon for me! As of Sept 1st, EQ should hopefully catch up some to TU & EX! My last 7 defaulted SLs should age off! 4 original and 3 corresponding defaulted SLs. That will leave me with *zero* lates! All that remains will be 3 CAs that will age off in Oct, Dec, and Jan! EQ will be the first to be clean 100% without doing a PFD for my last EX & TU CA. Also, EX has a CA that I am to call in for EE on. This will leave me with 1 x CA left on both TU & EX. I am still debating fighting it or doinf PFD. If I did not post the update, the CA turned around with a verification less than 24 hours after submitting my dispute. I doubt they could have reviewed anything, so they don't play nice. I will keep you all posted of the changes that roll in and I have a 3B pull waiting for this moment! Lastly, I think I am hitting the road again for work! I believe the path is taking me to Florida. I will definitely appreciate a warmer winter than the last 4! Anyone wanna take a guess as to how EQ will look? Do we think it will jump as high as EX & TU? I noticed for my SO that his lags as much as mine, with far less derogs, so maybe EQ is more harsh on scoring? Cassie Birdman BrutalBodyShots Allzero
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Re: Another countdown!

17 of 23
3 years ago
Wed Sep 01, 2021 1:53 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 34 minutes Next Level in15 days, 10 hours, and 26 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 34 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 34 minutes ago
If you were going to go scalloping around Steinhatchee, I imagine you were going to Hagans cove.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: Another countdown!

18 of 23
3 years ago
Wed Sep 01, 2021 1:57 pm
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GApeachy
Seasoned Rebel
GApeachy has passed the 12 month threshold!
No scorable inquiries on file!
Level13 Last INQMonday, August 7, 2023 Gardening For1 year, 1 month, 9 days, 13 hours, and 34 minutes Next Level in20 days, 10 hours, and 26 minutes on October 7th INQ 1yr onWednesday, August 7, 2024 INQ 1yr reached1 month, 9 days, 13 hours, and 34 minutes ago INQ 2yr onThursday, August 7, 2025 INQ 2yr in10 months, 21 days, 10 hours, and 26 minutes Goal24 months Goal DateThursday, August 7, 2025 Goal In10 months, 21 days, 10 hours, and 26 minutes
They rent a house right by the Marina. Sometimes they'll stay right there across from the Sea Hag and we'll be in the campground in Jena.
GApeachy
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  • Score data EX8: 765/ TU: 765/ EQ: 764
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Re: Another countdown!

19 of 23
3 years ago
Wed Sep 01, 2021 2:18 pm
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GApeachy
Seasoned Rebel
GApeachy has passed the 12 month threshold!
No scorable inquiries on file!
Level13 Last INQMonday, August 7, 2023 Gardening For1 year, 1 month, 9 days, 13 hours, and 34 minutes Next Level in20 days, 10 hours, and 26 minutes on October 7th INQ 1yr onWednesday, August 7, 2024 INQ 1yr reached1 month, 9 days, 13 hours, and 34 minutes ago INQ 2yr onThursday, August 7, 2025 INQ 2yr in10 months, 21 days, 10 hours, and 26 minutes Goal24 months Goal DateThursday, August 7, 2025 Goal In10 months, 21 days, 10 hours, and 26 minutes
@Birdman I don't know where Hagan's cove is. We go out from the Marina and turn left and go about 1/2 mile.
GApeachy
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  • Score data EX8: 765/ TU: 765/ EQ: 764
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Re: Another countdown!

20 of 23
3 years ago
Wed Sep 01, 2021 6:40 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 34 minutes Next Level in15 days, 10 hours, and 26 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 34 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 34 minutes ago
I think that is Hagan‘s cove
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: Another countdown!

21 of 23
3 years ago
Wed Sep 01, 2021 11:22 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 34 minutes Next Level in22 days, 10 hours, and 26 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 34 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 34 minutes ago
Kkboom wrote: ↑Mon Aug 30, 2021 8:26 am @LaHossBoss i think you just have to plan it out and see what works best for you. Timing wise, money and energy. At some price and pain points - whether you’re right or wrong it’s just better to pay it. Sometimes, you’ll have the bandwidth to fight. If my own goals and objectives allowed me to wait it out, I wouldn’t feel bad about not paying a charge off. I’d focus on cards with no AF & graduation potential to cards I’d want to keep long term- just to maintain my age. I think you mentioned buying a house so you may need to accelerate your credit readiness.
Yeah, the house but will probably be 2 years post SO going clean. So exactly 3-ish years from now. I am also doing a big cross country move for work, so I need to keep my resources free until cash flow is solid again. It will have to wait a minute until that is done at best.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: Another countdown!

22 of 23
3 years ago
Wed Sep 01, 2021 11:23 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 34 minutes Next Level in22 days, 10 hours, and 26 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 34 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 34 minutes ago
GApeachy wrote: ↑Wed Sep 01, 2021 1:21 am
Birdman wrote: ↑Mon Aug 30, 2021 1:41 am Lmk when you come to Florida! You are gonna do fine. EQ may be more harsh.
Where are you? North, panhandle, South, horse country, gulf coast, Keys? My favorite state.
I will be down in Miami, so a bit of a ways away, but we will be visiting family in southern GA frequently, so will probably get to check out the panhandle a bit!
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: Another countdown!

23 of 23
3 years ago
Wed Sep 01, 2021 11:27 pm
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LaHossBoss
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LaHossBoss has been gardening for over 2 years.
Level33 Last INQThursday, December 9, 2021 Gardening For2 years, 9 months, 7 days, 13 hours, and 34 minutes Next Level in22 days, 10 hours, and 26 minutes on October 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 9 months, 7 days, 13 hours, and 34 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached9 months, 7 days, 13 hours, and 34 minutes ago
I couldn't resist a 1B pull when I checked ACR and saw the baddies came off. A tad disappointing, as I was really hoping to break 700 on EQ. Maybe once my VS reports back down to $0 I can gain those last 8 pts. Clearly F9 still hates me, as usual. I am telling you, they hate high % balance on installments loans and CAs! @Birdman @Cassie @BrutalBodyShots @Allzero
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LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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