kutuzov 125 Posted June 3, 2015 Report Share Posted June 3, 2015 2008 was a bad year for many, and for me was the year when I collected enough debt that I stop paying all cc in January 2009.My journey2012 5 charge off, 7 collections. Got sued on 1 charge off from crap1.Mid 2012 Got a cc of 300.End 2012 sued 2 debt collectors and cashed some extra money.2013 4 charge offs, 2 collections, 1 settled cc with OC, the crap1. Got 1 cc of $1300 and a store card of $900. Canceled the $500 cc.2014 CR same as 2013, and opened a new cc, was $1500 and then it went to $3000.2015 CR the same, but the $1300 cc is now $2600 and the $3000 went to $5000. Automatic credit lines increase since I seldom if at all call the cc.2016 ... Will see it might be the year to buy a house ...So even if you now got bad credit, if you act responsibly it will get fix later on time. Do not let anyone get a judgement on you since that will remain there longer.Thanks to all that helped me back then, as I keep on trucking. I'm a truck driver since 2013, and also it's not what I wanted it does pay all bills, and my wife stoped working since mid last year, and became a full time Mon. 1 Quote Link to post Share on other sites
Guest Invalid123 Posted June 8, 2015 Report Share Posted June 8, 2015 Thank you for sharing your credit experience. Please keep sharing your experiences and any advice you can suggest. Quote Link to post Share on other sites
kutuzov 125 Posted June 12, 2015 Author Report Share Posted June 12, 2015 Since I stoped paying all cc in january 2009, between feb/march 2016 my credit will be good again when all charge offs and the remaining collections fall off. I do not have no debt collectors calling me, they all got a cease and desist or got sued and handled me some cash.As long as you bite the bullet and don't have to do BK or get a judgement, the 7 years mark will show up eventually. The first I`ll say 2-3 years are sort of a pain getting calls all day, but now with my acquired knowledge here I've learn how to stop that. Quote Link to post Share on other sites
Guest Invalid123 Posted June 12, 2015 Report Share Posted June 12, 2015 Since I stoped paying all cc in january 2009, between feb/march 2016 my credit will be good again when all charge offs and the remaining collections fall off. I do not have no debt collectors calling me, they all got a cease and desist or got sued and handled me some cash.As long as you bite the bullet and don't have to do BK or get a judgement, the 7 years mark will show up eventually. The first I`ll say 2-3 years are sort of a pain getting calls all day, but now with my acquired knowledge here I've learn how to stop that.Awesome. Good Luck on your Credit Repair Journey. I've been fighting a good fight now the 20% of the negative that is left is still causing me trouble with all the verifications coming back valid. Just got to keep pushing through and staying positive. Quote Link to post Share on other sites
kutuzov 125 Posted June 12, 2015 Author Report Share Posted June 12, 2015 I did the dispute and all that back in 2012, the ones I couldn't get off I just let them seat and waited for thier time to say bye and it's almost that time, also I ain't rushing it, I might even get some extra cash if some of these smarty collectors try to reage any of them. I might get lucky who knows ... Quote Link to post Share on other sites
