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Almost there - Amex Card just arrived

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IamB2
Established Contributor

Almost there - Amex Card just arrived

I just received my EveryDay card from Amex in the mail yesterday, and the paperwork included my Experian Score. it said my FICO score was 696. I am guessing this is the Card Enhanced version since my expieran 08, per myFico, is 689, but I'll take it. 696!!!! Just 4 points shy of 700...  Just 6 months ago, I was in the 500s. Not bad..

 

/doing the happy dance!

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

CITI ThankYou Preferred - CL: $2,000




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 1 of 17
16 REPLIES 16
GFer
Valued Contributor

Re: Almost there - Amex Card just arrived

Congrats! Something to be proud of for sure! Smiley Happy

 



EQ 817, EX 815, TU 813 (Updated 1/5/18: TU 843

Take the myFICO Fitness Challenge
Message 2 of 17
mongstradamus
Super Contributor

Re: Almost there - Amex Card just arrived


@IamB2 wrote:

I just received my EveryDay card from Amex in the mail yesterday, and the paperwork included my Experian Score. it said my FICO score was 696. I am guessing this is the Card Enhanced version since my expieran 08, per myFico, is 689, but I'll take it. 696!!!! Just 4 points shy of 700...  Just 6 months ago, I was in the 500s. Not bad..

 

/doing the happy dance!


gratz on the card and the score bumps :-)



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 3 of 17
ExplicitElicit
Established Contributor

Re: Almost there - Amex Card just arrived

Congrats, you've done great in 6 months!

Message 4 of 17
chalupaman
Super Contributor

Re: Almost there - Amex Card just arrived

Awesome! 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
Message 5 of 17
notfancy
Valued Contributor

Re: Almost there - Amex Card just arrived

Congratulations! My BCE just arrived also and says my Experian FICO is 659 (which matched my FICO score from here that I pulled a few days prior to applying) so I have a little bit more of a ways to go than you do. I hope to see 700s by the end of the year though.

 

Good luck to you!! Smiley Very Happy

625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700   Seedling again as of 07/29/14
Message 6 of 17
coldnmn
Mega Contributor

Re: Almost there - Amex Card just arrived

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 7 of 17
StriveToProsper
Regular Contributor

Re: Almost there - Amex Card just arrived

500s to nearly 700 in a matter of 6 months - that's a solid transformation, congrats! 

Message 8 of 17
IamB2
Established Contributor

Re: Almost there - Amex Card just arrived


@notfancy wrote:

Congratulations! My BCE just arrived also and says my Experian FICO is 659 (which matched my FICO score from here that I pulled a few days prior to applying) so I have a little bit more of a ways to go than you do. I hope to see 700s by the end of the year though.

 

Good luck to you!! Smiley Very Happy


Thanks, notfancy. I still need to take care of my last baddie, but I want to PFD it. Until I am ready to do that, I am not going to poke the proverbial bear since they didn't update since March of 2012. 

 

Needless to say, I doubt that I will see any significant score improvement until that drops off.

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

CITI ThankYou Preferred - CL: $2,000




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 9 of 17
notfancy
Valued Contributor

Re: Almost there - Amex Card just arrived


@IamB2 wrote:

@notfancy wrote:

Congratulations! My BCE just arrived also and says my Experian FICO is 659 (which matched my FICO score from here that I pulled a few days prior to applying) so I have a little bit more of a ways to go than you do. I hope to see 700s by the end of the year though.

 

Good luck to you!! Smiley Very Happy


Thanks, notfancy. I still need to take care of my last baddie, but I want to PFD it. Until I am ready to do that, I am not going to poke the proverbial bear since they didn't update since March of 2012. 

 

Needless to say, I doubt that I will see any significant score improvement until that drops off.


Darn. Well, I hope you can get that PFD, or at least that the negative keeps on affecting you less every year. Regardless, like a previous poster stated you have made massive strides in a short amount of time, so you're very obviously doing a lot of things right! You deserve a ton of credit for taking control like you did, and changing things around as much as you have!!

625 EQ FICO Current Score: 660 DCU EQ FICO/ 645 Scorewatch EQ FICO , EX FICO 664, TU FICO 737 (08/2014)
Goal Score: 700   Seedling again as of 07/29/14
Message 10 of 17
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