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Contributor
Posts: 115
Registered: ‎12-29-2008
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Re: Finally broke 700

If you dont mind sharing, what moves did you make that took you from mid 600's to 700? this is my goal by the end of the year, and i added 4 new trade lines to help me (opposed to 1 sub prime toy limit trade line). This should motivate me. 

2/2011=EQ: 590
11/2012=EQ: 683 (after 4 card app spree and reporting)
10/2013=EQ: 708 (reached my goal!! for 2013) EX(amex): 668 TU(Disc):680
Goal = 725 by 6/2014
Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/15k | Chase Freedom/2.2K | Best Buy/800 | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/9K
Regular Contributor
Posts: 211
Registered: ‎08-23-2012
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Re: Finally broke 700

Congrats!!! I hope I get to 700 soon

Established Member
Posts: 17
Registered: ‎08-09-2012
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Re: Finally broke 700

Congrats..... i am following right behind you just got the SW alert my score jumped from 656 -> 679 almost there :smileyhappy:

Beginning Scores 470
Current Scores - 04/04/2013 FICO TU 700 EQ 689
Lender Pulled EX 700
GOAL 2013 all over 720 and AMEX
Cap1 500 & 1500 Walmart 900 Amazon 1400 Target 600 Kay's 2000 WFNNB (multi) 1750 Oldest card 15 years Aver 2 years
Regular Contributor
Posts: 214
Registered: ‎08-02-2012
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Re: Finally broke 700

I am 5 points-count 'em-5 points away from 700 on my EQ. So close I can taste it. CONGRATULATIONS!!! I can't wait to sit at around 780/800...that's my ultimate goal :smileywink:

 

 

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Regular Contributor
Posts: 140
Registered: ‎07-01-2012
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Re: Finally broke 700

CONGRATS2U!!!

 

Was going to start this thread myself tonight in fact. Found out that I just broke 700 on my Experian score with at 713. TU and EQ are taking what feels to be years to remove a recent deleted account. Like Heinz ketchup "Anticipation is making me wait....."

All Thanks to myFico:
AMEX Business Platinum (NPSL) | AMEX Business SPG ($25,000) | Citi Hilton Honors Reserve ($14,000) | US Bank Cash+ Visa Signature ($13,500) | AMEX H. Honors ($6,000) | FNBO Platinum MC $5,000) | Citi Diamond Preferred ($4,700) | Citi ThankYou Preferred ($3,200) | Chase Freedom ($3,000)
Established Contributor
Posts: 797
Registered: ‎05-01-2012
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Re: Finally broke 700

Thanks! Pulled EQ on 9/1 and jumped to 731. Midland collection account was deleted. Had an app spree on Saturday so my score dropped to 720 but I will take it. My uti will drop once my new accounts report and I'm hoping for a little boost.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Finally broke 700

Congrats are in order! Very very nice!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
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Re: Finally broke 700

Congrats. I'm trying as in my name to get there. Credit is a journey along with responsibility. Thanks to the great people on this forum, I am building my way.

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Finally broke 700

Congrats! It's a great feeling and a wonderful accomplishment! :smileyvery-happy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Regular Contributor
Posts: 140
Registered: ‎07-01-2012
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UPDATE!!! Finally broke 700


CreditEd wrote:

CONGRATS2U!!!

 

Was going to start this thread myself tonight in fact. Found out that I just broke 700 on my Experian score with at 713. TU and EQ are taking what feels to be years to remove a recent deleted account. Like Heinz ketchup "Anticipation is making me wait....."


TU just updated my deleted CO from I. C. Systems. I'm at 712 at TU as well. Waiting on slowpose EQ before I declare the trifecta!

 

Many great posts on this board helped me to even think about how to improve my score or to even care about my actions as they relate to credit. Alot of income helped me to gloss over some very simple mistakes.

 

 

 

 

 

 

 

All Thanks to myFico:
AMEX Business Platinum (NPSL) | AMEX Business SPG ($25,000) | Citi Hilton Honors Reserve ($14,000) | US Bank Cash+ Visa Signature ($13,500) | AMEX H. Honors ($6,000) | FNBO Platinum MC $5,000) | Citi Diamond Preferred ($4,700) | Citi ThankYou Preferred ($3,200) | Chase Freedom ($3,000)

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