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From 585 to 660

Member

From 585 to 660

In one month.  I paid off about 4 to 5 negative accounts I defaulted on years ago so I have no more balances in debt.   I still wanted to better my credit so I wanted to get more LOC that I knew I wasn't going to use....... 

 

I have $2k on a NFCU CC, and I had a $500 navcheck.  Well a few weeks ago I increased my navcheck to $2k and they actually approved it.... (I wish I asked for more maybe).....  That was a few weeks ago when I was 585, and that score was pulled soon as I paid all my balances in collections. 

 

Well I updated my report and it's 660 now (experian)  I'm beyond excited right now.  The FICO score is the most accurate one right?  I really want to see what my scores are straight across


Stash: NFCU Rewards - $2K | NAVCheck - $2K
Last app: 3/12/13
Gardening until: 11/2013
7 REPLIES
Valued Contributor

Re: From 585 to 660

Nice, Congrats on your success and score increase! Keep up the good work! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor

Re: From 585 to 660

Congrats!!  Keep it going!!  You are on your way now!! Smiley Happy


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Senior Contributor

Re: From 585 to 660

Great job on paying down your debt.  Congrats on the big score increase.

Regular Contributor

Re: From 585 to 660

Feels good doesn't it? Keep up the good work you'll be in the 700 club in no time,
CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Member

Re: From 585 to 660

it


ellefante wrote:

(I wish I asked for more maybe).....  That was a few weeks ago when I was 585, and that score was pulled soon as I paid all my balances in collections. 

 

Well I updated my report and it's 660 now (experian)  I'm beyond excited right now.  The FICO score is the most accurate one right?  I really want to see what my scores are straight across


I really wouldn't ask for more with your score only being 585 at the point, now would be a different story, but 660 experian score or Fico score would be very different because 

 

1. It's not the same bureau since you can't buy a Experian Fico score. Only ways are  a) Become a member of PSECU credit union (PA residents only) b) apply for a mortgage loan c) apply for an Amex 

 

2. Not to mention the credit reports could be missing a few things from bureau to bureau/

Valued Contributor

Re: From 585 to 660

Congrats! You're making great progress!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Member

Re: From 585 to 660

Thanks everyone Smiley Happy

Stash: NFCU Rewards - $2K | NAVCheck - $2K
Last app: 3/12/13
Gardening until: 11/2013