NewBie coming out to say Hello..

Discussion in 'Credit Talk' started by Saphire, Jan 22, 2003.

  1. Saphire

    Saphire Active Member

    Hi everyone.. been reading, and reading, and reading.. And I'm addicted to learning all about credit repair!! *Smile*

    Oh wait, I think I read somewhere I'm suppose to say.. "Hi my name is Saphire, and I'm a fool" LOL! :) I am a fool.. I messed up my credit while in college.. I was the best dressed college girl though! Clothes, shoes, and more clothes..

    Anyway.. I have my report in hand, but I"m just still learning a bit before I jump in. I will need a lot of handholding, but I think I came to the right place for that!!

    I've been addicted for a full week or so.. Even at work, I can't do my job.. I can't stop reading about how I'm going to conquer my mess! LOL! I literally have spent DAYS researching.. DH is ready to kill me.. He's like.. stop reading and just do it!! I can't.. gotta make sure what I'm doing is right! :)

    Talk to you all soon!
    Saphire
     
  2. psp in nm

    psp in nm Well-Known Member

    Welcome, Saphire!! Keep reading those top posts, and you'll be on the right track, and we'll do what we can to help!! Good luck! Patti
     
  3. jlynn

    jlynn Well-Known Member

    Welcome to the boards, and tell that Dear DH of yours that patience is a virture in credit repair. (Although I admittedly lose it on occasion!).

    Good luck!
     
  4. Saphire

    Saphire Active Member

    Thanks for the welcome you two.. I appreciate your messages.. I look forward to getting to know you both!

    Saphirez!
     
  5. hurleee

    hurleee Well-Known Member

    SAPHIRE,
    welcome! I think many of us started our credit damaging in college, they practically throw the cc's at you! we're all obsessed too, so you'll fit right in. :)
    My dh was equally worried about my credit obsession, but he is singing praises to me now! We started out in the low 500's. My dh's credit report included at least 12 negative tradelines, all charge offs, and defaulted student loans. I thought we woooudn't be able to buy a house for at least 5 more years until his negatives fell off. then I started researching just like you. we just had our mortgage approved today. It's like a dream, I never, never thought we would be able to buy a house. we had to get a 19% interest subprime loan from a finace company to even buy a vehicle 1.5 years ago. keep researching and taking notes. Keep track of everything, send everything certifed mail, return receipt. I keep a folder. in september my dh will have perfect credit after one last tradeline drops off. well, except for a paid 68.00 cable bill but i'll be working on that too. good luck!!! :) jody
     
  6. Saphire

    Saphire Active Member

    Congratulations Hurlee!! That sounds awesome!! How long you been working on the credit?!

    What did you do with the student loans? I have 2 showing on mine, but they have to be the same loan..

    Thanks in advance!
    Jenny
     

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