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A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

Established Member

A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

I had the FICO watchers equivalent to ecstacy this morning when I woke up and opened my email. I got a score power alert that I had reached my target credit score!!! My target score which I set a year ago when I got score power was a 650 because I figured that would put me in position to lease a new vehicle when I'm ready and get a prime credit card. Well I actually exceeded that by 9 points!!! A year ago this month I had a 573 Equifax score and I have now reached 659!!! I'm very proud of myself. And the funny thing is, all I had to do is let my credit cards report a balance. The only thing that has changed on my CR is my Capitol One card is reporting a new $12 balance instead of $0 like I had been keeping it at. My score actually jumped 17 points for that. It went from a 642-659. I really wish I had known this secret before!!!! Just for letting my CC's report balances I have gained a total of 24 points!!! So I'm now letting 2 out of 3 cards that I have report balances and I think I'll keep it at that. Thank you so much forum members for educating me on this!!!  You all rock and I am exstatic!!!! Oh and on a side note I also got my BOA secured card deposit back in the mail yesterday!!! This has been a great weekend!!! I'm on cloud 9 right now and I dont want to come down LOL!!! Smiley Very Happy
Scores Transunion-680 Equifax-661 Experian-701
As of 11/8/08
Scores Transunion-719 Equifax-697 Experian-788
Message 1 of 19
18 REPLIES
Established Contributor

Re: A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

Congrats on meeting your goal!! WTG!
Message 2 of 19
Frequent Contributor

Re: A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

wtg. GOOD JOB.
Message 3 of 19
Contributor

Re: A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

WAY TO GO !!!!!!!!!
I can't wait to post something like this as well.
I agree too that this site ROCKS MY SOCKS!!!
10/2007 TU 545 EX 538 EQ 529
2/2008 TU 628 EX 608 EQ 587
3/2008 TU 636 EX 627 EQ 613
4/2008 TU 637 EX 618 EQ 621
Message 4 of 19
Valued Contributor

Re: A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

WTG!
 
Now, if I only had the courage to pull score (balances are way of correct alignment - so I'm figuring why bother)... I
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747
Message 5 of 19
Established Contributor

Re: A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

Congrats!
Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Message 6 of 19
Frequent Contributor

Re: A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

Congrats - you should feel proud! Smiley Happy
Message 7 of 19
Senior Contributor

Re: A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

Super congrats! Job well done! Smiley Happy
"Never ever, ever be late. Never" (FUTR)
Message 8 of 19
Super Contributor

Re: A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

Congrats.....
Message 9 of 19
Established Contributor

Re: A FICO Watchers Dream....My Target Score Has Been Reached!!!!!

Congrats! on reaching beyond your goal....Smiley Happy
TU 662 EQ 644
EX 643
Message 10 of 19