topic Re: I love my new score bucket, and I love WFNNB/ J.Crew! in Understanding FICO® Scoring

I love my new score bucket, and I love WFNNB/ J.Crew!

haulingthescoreup — Fri, 14 Aug 2009 16:16:46 GMT

After two years of clean history with WFNNB/ J.Crew after an impressive string of stupidity on my part, they agreed to remove the six lates on the account, including a 90, which was my only serious derog. I'm now in a positive score bucket, even though I do still have two accounts with some 30's:

EQ went up 30 points, TU went up 9.

Just an example that rebucketing can be very much a positive thing!

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

smallfry — Fri, 14 Aug 2009 16:56:05 GMT

Congrats Hauling. Very nice.

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

MarineVietVet — Fri, 14 Aug 2009 16:57:24 GMT

Good work!!! Keep it up.

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

marty56 — Fri, 14 Aug 2009 16:57:28 GMT

Great, Great, GREAT!!!!!!!!!!!!!!

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

rom828 — Fri, 14 Aug 2009 19:09:30 GMT

WAY TO GO, HAULING!!!!!:smileyvery-happy::smileyvery-happy: A well deserved achievement!! You learned from your mistakes, purposed to do better and it has paid off!!

I'm rejoicing with you!!!! Wowie Zowie!!

I can't wait til I make a similar post. I've got the CO dropping next year and the PR year after that then I'll finally be free of baddies. I hope with my new accounts being over a year by the time the CO drops, I'll finally be in your club!! :smileyhappy:

And once I get in that positive bucket, good Lord willin' and the creek don't rise, I will NOT return to the land of the baddies!!

BIG CONGRATS!!! :smileyvery-happy:

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

cobaltnv — Fri, 14 Aug 2009 21:44:02 GMT

Congrats Hauling and welcome to the high achievers club--your membership is long overdue.

Careful the oxygen levels can get a kinda low up here in the rarified air of the high achievers.

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

Scout65 — Fri, 14 Aug 2009 22:55:40 GMT

I am very happy for you HTSU...:smileyvery-happy:

Welcome to the nosebleed seats.

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

nathan — Sat, 15 Aug 2009 16:31:22 GMT

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

debtisgood — Sat, 15 Aug 2009 16:41:49 GMT

Hauling!

That is great stuff.

I now bow before your EQ score!

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

haulingthescoreup — Sat, 15 Aug 2009 18:21:31 GMT

Thanks, everyone!

debtisgood wrote:

Hauling!

That is great stuff.

I now bow before your EQ score!

It's so pitiful --I keep pulling it up and looking at it in disbelief. :D

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

creditwherecreditisdue — Sun, 16 Aug 2009 00:33:30 GMT

Nice job!

Too bad all my lates (and that's the only bad stuff I have left.) are on two accounts that now reside with Chase. I doubt I have a snowballs chance of getting those GW'ed away. If I could ditch those I would be right up there with you.

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

marty56 — Sun, 16 Aug 2009 22:49:27 GMT

creditwherecreditisdue wrote:
Nice job!

Too bad all my lates (and that's the only bad stuff I have left.) are on two accounts that now reside with Chase. I doubt I have a snowballs chance of getting those GW'ed away. If I could ditch those I would be right up there with you.

Want to play "Strangers on a Train". I'll kidnap the Chase CEO and you kidnap the BofA CEO and will hold them until they give us some GW.

Message Edited by marty56 on 08-16-2009 03:49 PM

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

smallfry — Sun, 16 Aug 2009 13:40:05 GMT

Hauling are your TU and EQ reports absolutely identical? I've always suspected EQ downgrades a bit more than the other 2 for negative info.

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

marty56 — Sun, 16 Aug 2009 22:50:07 GMT

smallfry wrote:
Hauling are your TU and EQ reports absolutely identical? I've always suspected EQ downgrades a bit more than the other 2 for negative info.

Mine are and they do.

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

haulingthescoreup — Mon, 17 Aug 2009 02:03:16 GMT

Not absolutely, but awfully close. There is an old closed account on TU that's not on EQ. The longest history is the same, but the AAoA on TU is maybe a month older. Both 4 years - something, though.

I have always thought that EQ "hates lates." DD#2's EQ score is lower than the other two, and her three reports are identical. She has one 30 day on all three. Absolutely the only difference.

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

txjohn — Tue, 18 Aug 2009 10:03:43 GMT

Very nice hauling :)

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

AboveAverage — Tue, 18 Aug 2009 16:13:28 GMT

haulingthescoreup wrote:
Thanks, everyone!

debtisgood wrote:
Hauling!

That is great stuff.

I now bow before your EQ score!

It's so pitiful --I keep pulling it up and looking at it in disbelief. :D

I know what you mean...I keep looking at mine and swear that some #@*&@*( will take it away somehow.

Congratulations, and keep up the good work. You definitely are now a Fico High Achiever. :)

Re: I love my new score bucket, and I love WFNNB/ J.Crew!

llecs — Mon, 01 Oct 2012 00:25:44 GMT

Split post to form a new thread within Rebuilding Your Credit