tinuviel wrote:Well I got a nice surprise this morning!
I pull my scores the beginning of every month; I got in the habit while I was rebuilding. Today my EQ score shot up from 723 to 766! Upon inspection, it looks like an old 90 late fell off. Also, my BoA has 6 full months of reporting, so I don't know if that's a factor, but it might. If so, then what can I say -- gardening works!!! My TU score also went up to 744; the old 90 late is still showing, so maybe that will update and I'll get a boost next month. The rest of the gain must be from account aging.
Whatever the reason, I'm over the moon happy! I was hoping to reach my FICO Fitness Goal sometime this year, but I didn't expect to do so this soon. Woo, hoo!!!
Congrats!!!
Starting Score (07/2011): EQ 706 TU 709
tinuviel wrote:
I pull my scores the beginning of every month
congrats on the bump!
do you pull your reports from here?
in light of your post even though a couple inquries were supposed to age over a year tommorrow i pulled my amex reports!
up another 3 points! to a 728!
i know its fako, but i find it funny even with my utilization my score keeps going up
another funny thing is one report didnt post my 0 balance yet and yet all three scores are the same. smh amex
creditnocash wrote:
tinuviel wrote:
I pull my scores the beginning of every month
congrats on the bump!
do you pull your reports from here?
in light of your post even though a couple inquries were supposed to age over a year tommorrow i pulled my amex reports!
up another 3 points! to a 728!
i know its fako, but i find it funny even with my utilization my score keeps going up
another funny thing is one report didnt post my 0 balance yet and yet all three scores are the same. smh amex
Yes, those are my FICO scores, pulled from this site.
And my thanks to everyone on these forums who's been kind enough to offer me congrats and encouragement, both recently and over the last couple of years. The support from this community has been phenomenal and has been such an instrumental help in getting my credit on the proper track.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
FrugalRican wrote:I had to step out of the garden a month ago.
I was buying a new Honda Civic and they wouldn't take my check so they offered a 0.9% based on my credit (I knew mine would be good enough without previous auto loan history). I decided I'd rather have this one show up even if I paid it off after the first month for future purchases.
Anyway, still haven't done my taxes and I am happy to say that I am debt free. I've finally paid off all of my credit cards and it feels FANTASTIC.
I've had other situations going on and it feels nice to have something positive going forward. And yes, I already paid off the car's debt too.
That is wonderful -- quite a milestone! Way to go!!! 
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
tcbofade wrote:
RockinRay wrote:I joined DCU for the FICO score a week ago.
Decided I would take the "hit" for their Rewards Visa. Instant approval for a CL of $10,000.
Ok, now you're just rubbing it in....
Still no apps for me. I was hoping to see a score bump this morning, but alas, not yet...
I am finished now.....
Still in the garden with my shiny new spade.
The shredder got to eat the BOFA pre approval, and the CITI pre approval.
Got notification that one of my old inquiries 'fell off' my report, and today when i ran my credit secure report the Transunion number jumped from 667 to 690.
happy frikkin birthday to me!!!
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