Re: QS and Compass

Anonymous · ‎03-31-2015

Currently rebuilding credit. 1-1/2 months ago scores were 561, 561, and 605. Today they are 600, 618, and 637. Began with about 20 negative accounts - some not mine or inaccurate - and now down to 7 or less and more still moving off. Paid some, disputed others.

So mid-March was approved $300 with QS. Then couldn't even get a secured card. So about 10 days ago and in desperation I went to Compass and was prepared to put down $500 for a secured card with $450 CL. To my surprise, walked out with an unsecured $5000 CL and when finished saving for DP in 2-3 months and other items cleaned up I will be approved for a mortgage.

I am expecting a nice bump of 30-40 points from the cards. Keeping utilization 10% or below. But boy was I surprised with Compass!

I-think-I-can · ‎03-31-2015

Wow!! That is really great! Congrats!

Starting Scores 2/13/15: EQ 635 EX 674 TU 684 ////7/16/15 Scores: EQ 661 EX 669 TU 703 //// 2/15/16 Scores EQ 652 EX 647 TU 756 //// 3/24/16 Scores: EQ 661 EX 649 TU 773 //// EQ 670 EX 653 TU 768 (EQ And EX still tainted)
Goal Scores: 760 across the board

uswala · ‎03-31-2015

Congrats!

Anomalous · ‎03-31-2015

Great job! Congratulations!

Keep both your credit and your body in top shape!

gdale6 · ‎03-31-2015

@Anonymous wrote:
Currently rebuilding credit. 1-1/2 months ago scores were 561, 561, and 605. Today they are 600, 618, and 637. Began with about 20 negative accounts - some not mine or inaccurate - and now down to 7 or less and more still moving off. Paid some, disputed others.

So mid-March was approved $300 with QS. Then couldn't even get a secured card. So about 10 days ago and in desperation I went to Compass and was prepared to put down $500 for a secured card with $450 CL. To my surprise, walked out with an unsecured $5000 CL and when finished saving for DP in 2-3 months and other items cleaned up I will be approved for a mortgage.

I am expecting a nice bump of 30-40 points from the cards. Keeping utilization 10% or below. But boy was I surprised with Compass!

Fantastic, grats

chalupaman · ‎03-31-2015

Congrats.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down