What Actually Happened
**Financial Progress & Credit Score Transformation**
**Timeline:** October 2024 – June 2026
**Total Debt Reduction:** Decreased from **$25,568.00** to **$16,095.00** (A total of **$9,473.00** paid off).
**Credit Score Increase:** Surged from **609** (Fair) to **810** (Excellent)— **+201 point** improvement.
**October 2024**
**Citi Card 1:** $8,348.00
**Citi Card 2:** $8,060.00
**IRS Tax Debt:** $3,920.00
**Capital One:** $2,858.00
**Aspen National Collections:** $1,837.00
**Celtic:
What I wish I knew
"N/A"
Advice to Someone Facing This Now
If I could tell you one thing
"N/A"
Regret Score
5/10
Significant downsides.
Complicated feelings about the outcome.
Complicated feelings about the outcome.
financial Category Average
?%
of financial decisions share a similar regret distribution. (Coming soon)
Impact
-
Financial and Psychosocial impact distributions for this subset.
Advice for Someone Facing This
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