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Established Contributor
tennisfan78
Posts: 630
Registered: ‎09-18-2011
0

Re: $500 in credit to $200,000 in one year! My personal credit story of 2012.


jsickz32 wrote:
Oh i see. Congrats op! I also dont care about AFs. This year i started with around 4600 and 3 cards to what you see now in my siggy. I opened my barclays on 10/11 and they seen all my new accounts and called me to warn me but they didnt close my account or lowered my cl.

WOW congrats. I am curious to know your fico scores and also annual income


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Regular Contributor
Give_Me_Credit_Please
Posts: 242
Registered: ‎12-11-2012
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Re: $500 in credit to $200,000 in one year! My personal credit story of 2012.

I could really appreciate your persistant and hard work, congrats for that!! You'll done in 1 year most people can't do in 5. I guess we all have alot to learn from each other. My credit was in bad shape and currently I'm in the re-building process and yes it's a very long process and it seems like there's no light at the end of the tunnel but for little that I've have done so far, I noticed a big difference in my score. That's my game plan for 2013 to have a clean slate and be where your at. Also to established that I guess you would need money and alot of time. This forum as been a big help so far and thank you everyone.

Established Contributor
tennisfan78
Posts: 630
Registered: ‎09-18-2011
0

Re: $500 in credit to $200,000 in one year! My personal credit story of 2012.


Give_Me_Credit_Please wrote:

I could really appreciate your persistant and hard work, congrats for that!! You'll done in 1 year most people can't do in 5. I guess we all have alot to learn from each other. My credit was in bad shape and currently I'm in the re-building process and yes it's a very long process and it seems like there's no light at the end of the tunnel but for little that I've have done so far, I noticed a big difference in my score. That's my game plan for 2013 to have a clean slate and be where your at. Also to established that I guess you would need money and alot of time. This forum as been a big help so far and thank you everyone.


+1

 

Yes, Big Thank you to every one!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
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Re: $500 in credit to $200,000 in one year! My personal credit story of 2012.

@tennisfan78
Income is close to 50k. Last month scores were TU 693 EX 679 and EQ 682. But got a CO from a joint account deleted so im expecting a big score jump this month.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: $500 in credit to $200,000 in one year! My personal credit story of 2012.

I have lots of INQs but im 21 so by the time they fall off ill still be young lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
ztnjpv
Posts: 734
Registered: ‎02-01-2012
0

Re: $500 in credit to $200,000 in one year! My personal credit story of 2012.

Well DONE!!

 

I had a similar story. Started fall of 2011 with not-so-good scores in low 600s, lots of baddies and no credit cards. I got two right away with $1000 (cap1 plat) and $1500 (citi) limits...now $1500 and $2500...and have added 2 loans, a rental mortgage and 5 additional cards in 2012 for a total of over $70k in credit card limits. Hard to say exactly because of my Plum Card. I peaked in upper 700s on all three scores during the summer before going on an app spree. Now, I am holding steady in the mid 700s waiting for inquiries to fall off and AAoA to take effect. 

 

I used Lexington Law to get a lot of the baddies off over a few months. Some I handled myself. How did you go about it? 

Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
Valued Member
JPmorgan
Posts: 59
Registered: ‎05-06-2012
0

Re: $500 in credit to $200,000 in one year! My personal credit story of 2012.

I also used a lawyer to remove the majority of collection accounts.  The final few accounts I did myself.

American Express Blue | American Express PRG | Barclays Apple Financing Visa | Citi AAdvantage Visa Signature | Discover More | JP Morgan Palladium | Ameriprise World Elite Mastercard | Chase Sapphire Preferred

Established Contributor
ztnjpv
Posts: 734
Registered: ‎02-01-2012
0

Re: $500 in credit to $200,000 in one year! My personal credit story of 2012.

That's great. I considered the DIY angle on the disputes but I thought paying someone was worth it. My income, like yours, is high enough to pay for the service without any troubles. 

 

The wife also came in handy for me. When she made me an authorized user on her oldest card (2001), my score skyrocketed. That was a big help. 

Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
Established Contributor
tennisfan78
Posts: 630
Registered: ‎09-18-2011
0

Re: $500 in credit to $200,000 in one year! My personal credit story of 2012.


jsickz32 wrote:
@tennisfan78
Income is close to 50k. Last month scores were TU 693 EX 679 and EQ 682. But got a CO from a joint account deleted so im expecting a big score jump this month.

Cool!  Thats awesome. Keep us updated once the score jumps!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
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09Lexie
Posts: 26,577
Registered: ‎09-13-2012
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Re: $500 in credit to $200,000 in one year! My personal credit story of 2012.


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