New Member
Posts: 120
Registered: ‎05-14-2013

Re: From 0 to prime in 15 months

Congratulations buddy!!

Posts: 27,205
Registered: ‎09-13-2012

Re: From 0 to prime in 15 months

Welcome to the forum! Congratulations on your recent credit success and obtaining credit through patience, research and educating yourself.

I'm sure that home purchase is in your future!
Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013

Re: From 0 to prime in 15 months

Welcome to the forum


Eastside like so many others who found this site by chance and the knowledge just reached out and captivated them into wanting more and more.


It's post like yours that will inspire another viewer / lurker into joining MyFico forum for the priceless free information that's shared by each and every individual here.

I remember an old saying  "each one teach one"  to me that's the foundation this site was built on, which is why it's so successful ....not to mention we are just one big friendly, respectful family.


Today someone will read your post and join the MyFico family.

I think that just about says it all:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Posts: 28
Registered: ‎05-16-2013

Re: From 0 to prime in 15 months

Thank you all for your positive comments.  I hope by this time next year I'll be signing a new mortgage instead of another lease. 


I plan on closing my Cap1 secured card before the AF comes due next year.  The card really has no future and it's served it's purpose.  My platinum is only a few months newer, so average age shouldn't be a concern.  Plus I need to keep my DTI to a minimum.  I will attempt the EO route for the platinum though.

Established Contributor
Posts: 845
Registered: ‎12-09-2012

Re: From 0 to prime in 15 months


12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off 1/16)
Valued Contributor
Posts: 1,172
Registered: ‎02-03-2013

Re: From 0 to prime in 15 months

Congrats and best of luck:smileywink:

Starting Score TU 667 EQ 663 EX 655
Current Score TU 721 EQ 719 EX 717 Last Update 8/2014
Garden Club 04/10/2013 (Goal 2015 or Longer)

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