http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1841525#M233646 <p>Congrats! What car are you going to buy?</p> Tue, 29 Jan 2013 20:04:52 GMT Bleety17 2013-01-29T20:04:52Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837507#M233191 <p>Years ago, I made some stupid mistakes with my credit, followed by years of operating on a cash-only basis, assuming I could never get any credit.  At the end of 2012, I decided to take the bull by the horns.  What I found when I pulled my reports on December 27th was that my problem wasn't  really BAD credit - though I did have a few dings. My biggest problem was an exceptionally thin credit file.  So thin, that I couldn't even generate a TU or Experian report or get a CapOne auto loan.</p><p> </p><p>Fast forward one month . . . by adding a couple of credit cards - CapOne secured ($300) and Citi Forward ($1k, obtained after a simple recon call) -  I just received a ScoreWatch alert telling me my score JUMPED to 797.  Talk about doing the happy dance!</p><p> </p><p>I'm not sure what prompted me to finally address my credit, but I'm so glad I did.  To anyone who thinks things will never get better - believe me, they will!  Just listen to all of the great advice found on these boards.  Thanks to all of you for sharing your successes (and &quot;not successes&quot;).</p><p> </p><p>BTW, does anyone else's heart stop when they get that ScoreWatch alert??  I thought the alert was going to show a small decline since I'd gathered my courage and went to the car dealer on Saturday.  I guess I should expect that decline this week, but that's ok by me.</p><p> </p><p><em>Edited to add:  Just to clarify, it looks like 2 accounts were also deleted. One was due to age off next month and I just DV'd the other (Pinnacle).</em></p> Mon, 28 Jan 2013 00:32:56 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837507#M233191 thel222 2013-01-28T00:32:56Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837565#M233196 <p>WOW! That's awesome, congrats</p> Sun, 27 Jan 2013 23:54:25 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837565#M233196 FLAJenn 2013-01-27T23:54:25Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837601#M233200 Fantastic score, Congrats! Mon, 28 Jan 2013 00:08:47 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837601#M233200 Epcot 2013-01-28T00:08:47Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837695#M233215 <p>Holy crud! That is unbelievable! Send some of that good energy my way!!</p> Mon, 28 Jan 2013 00:56:29 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837695#M233215 llauren321 2013-01-28T00:56:29Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837855#M233230 <p>awesome news OP, I love reading these success stories...congrats</p> Mon, 28 Jan 2013 01:43:45 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837855#M233230 soILseminole 2013-01-28T01:43:45Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837911#M233231 <p>+1 and Congrats</p> Mon, 28 Jan 2013 02:04:36 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1837911#M233231 Cadillac-XTS 2013-01-28T02:04:36Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1838141#M233246 <p>Good JOB!!</p> Mon, 28 Jan 2013 03:34:58 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1838141#M233246 annielorie 2013-01-28T03:34:58Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1838567#M233290 <p>That is awesome! You will be over 800 in no time!</p> Mon, 28 Jan 2013 13:55:40 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1838567#M233290 changeisvital 2013-01-28T13:55:40Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1839157#M233364 <p>WOOHOO! What a jump!!!</p> Mon, 28 Jan 2013 19:56:41 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1839157#M233364 NewbieReed 2013-01-28T19:56:41Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1840191#M233477 <p>Thanks everyone!  Heard from the Nissan dealer today and was approved by both Nissan and Wells Fargo - something I never thought possible a month ago.  Well Fargo had the better rate, so I'll be going with them. Still not a SUPER rate, but one I can live with, all things considered.  After I settle everything with the car (tomorrow!!), my plan is to apply for one more cc, then garden for a while.  Not sure which card to go for - any suggestions??</p> Tue, 29 Jan 2013 03:54:32 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1840191#M233477 thel222 2013-01-29T03:54:32Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1841507#M233644 <p>Woohoo!!! Congratulations OP. That is fantastic!</p> Tue, 29 Jan 2013 19:59:23 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1841507#M233644 PapasWifey 2013-01-29T19:59:23Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1841525#M233646 <p>Congrats! What car are you going to buy?</p> Tue, 29 Jan 2013 20:04:52 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1841525#M233646 Bleety17 2013-01-29T20:04:52Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1841565#M233648 <p>okay, i am freakin jealous...</p> Tue, 29 Jan 2013 20:23:19 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1841565#M233648 jadeite788 2013-01-29T20:23:19Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1841761#M233663 <p>What kinda of score is that? FAKO? Vantage? FICO???</p> Tue, 29 Jan 2013 21:49:18 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1841761#M233663 zerobacan 2013-01-29T21:49:18Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1842319#M233739 <p>Wow! That's amazing! Congratulations...that's definitely worth doing the happy dance for</p> Wed, 30 Jan 2013 02:45:51 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1842319#M233739 anackerman 2013-01-30T02:45:51Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1861705#M236104 <p>SUPER FANTABULOUS CONGRATULATIONS!!! You have a wonder success story, and an extremely inspiring one also.</p> Thu, 07 Feb 2013 22:22:38 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1861705#M236104 BKFireFly 2013-02-07T22:22:38Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1861713#M236106 <p>oh wow CONGRATULATIONS!! </p> Thu, 07 Feb 2013 22:37:25 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1861713#M236106 emend23 2013-02-07T22:37:25Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1862055#M236141 <p>Congrats!</p> Fri, 08 Feb 2013 01:47:54 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/From-650-to-797-in-exactly-one-month/m-p/1862055#M236141 PrettyGyrl 2013-02-08T01:47:54Z