carl smuda
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7 Aug 2012
Family Happiness, Enlightenment, Heaven on Earth
the philosopher who has not realized their metaphysics is just an ass carrying a load of books.
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Custom Goal (raise our credit... #239718
Smuda commits to:    raise our credit scores to 620
Next required report: No more reports due
Successful Periods: 30   Unsuccessful Periods: 3
Contract Start: 7 Aug 2012       "raise our credit scores to 620"
I commit to:
I commit to taking specific action to bring our credit scores to 620 by the first day of spring.
Contract End: 26 Mar 2013
Contract Length: 33 week(s)
Recipient of Stakes: No stakes
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Reporting Periods
Page 1 of 7 (33 total entries)
Reporting period: 19 Mar to 26 Mar
Period status:
Not Successful
User report: No report submitted
Reporting period: 12 Mar to 19 Mar
Period status:
Not Successful
User report: No report submitted
Reporting period: 5 Mar to 12 Mar
Period status:
User report: Success
Reporting period: 26 Feb to 5 Mar
Period status:
User report: Success
Reporting period: 19 Feb to 26 Feb
Period status:
User report: Success
Commitment Journal what's this?

12 Mar 2013 03:30 PM

Met with a Realitor. He showed us on the map parts of douglas county in our price range. He referred us to a broker at Wells Fargo. We are using our new credit cards, Michelle is holding a AT&T phone account and paying on it. I paid off a lot of bad bills. We will speak with the referal that Mr. Valentine gave us. In another month or so, we will run that credit report again. It would be NICE if the scores were high enough. (fingers crossed).

6 Mar 2013 04:13 PM

Michelle roasts beans at the Starbucks Plant and I work for the Washoe Tribe, both in Douglas county. We did live there for the first several years after we moved from Fallon. The kids have remained in Douglas schools and we want them both to go to Douglas High, not Carson. The plan is to move one last time into a mortgage in that county. I'm sorry you didn't meet Michelle when we were in South Bend. How many kids did you and the Hubby have? Your first child must be out of college by now.

6 Mar 2013 01:56 AM

Sounds like you guys are doing great! Just curious: why Douglas County? My best to Michelle. Hope to meet her sometime. Suzy

5 Mar 2013 04:36 PM

Spoke with a medical bill collector and a dental bill collector.

27 Feb 2013 04:02 PM

Thanks Susie. I will look into that. My focused intent is: a house in douglas county with an upstairs, a zen room, enough space for Michelle's dogs, before Robin starts Douglas High School this Fall.

27 Feb 2013 12:30 AM

Keep up the good work! Suggest you check out a website called It allows you to keep track of your credit score and gives you ideas, including what credit cards to apply for, etc. Try it! It has been successful for me and it's FREE!

26 Feb 2013 04:06 PM

Both Michelle and I have applied for secure credit cards. I began using mine as a gasoline card.

19 Feb 2013 04:53 PM

With money borrowed from the 401(k) We paid off the following bad debts:
$1730.00 Dollar Loan
$992.00 Business Professional
$460.00 USA Cash
$137.00 National Business Factor
$50.00 Surgical Group
Total: $3369.00
Applied for a secure credit card with $400 from tax return.
Michelle applied for a secure credit card with $500 from tax return.
$273.00 for badly needed new Tires on escort.

12 Feb 2013 04:34 PM

Continue to study credit report for both of us. Continue to read Creditwarfare book. Explained to the Wife our plan of attack. Letters will be written this week!

5 Feb 2013 04:49 PM

Studied our credit report. I understand which agencies to write to including the three credit reporting agencies. Applied for a loan from my 401(k) pay off debt and secure a credit card. Filed 2012 taxes.

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