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Regular Contributor
Posts: 120
Registered: ‎01-22-2013
0

Hit 700 for the first time in years. THANK YOU ALL !

I started reading myfico in mid December 2012 in search for answers after looking at all my credit mistakes over the years.

After gathering some information I decided to jump and sign up for EQ score watch, which I began at 620 on 1/18/13. That was an eye opener and decided to start on the Rebuilding Forum, where I found many questions to my answer on the credit quest.

Today for the first time in many years, I reached EQ 700 on 6/16 ( which may just be a number), but I feel that after many hours spend/invested   and letters sent, this is a new starting point. I know my score may go up and down, but I will always think about how much I struggled to regain control of my credit and my finances.

Now I have several TLs with positive information, which I hope I can see grown with time (but not in balance/debt).

I have been back and forth on the rebuilding,credit cards and garden forums, as I would also like to share my personal experience with my fellow community members.

Thank you to all the seasoned members and MODs for contributing and sharing your own experiences.

Special mention to RobertEG, shogun,guiness56,youngandcreditworty and 09Lexie.



CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Hit 700 for the first time in years. THANK YOU ALL !

Congrats on hitting the 700! It is an accomplishment you should be proud of and thank you for sharing your story.
Community Leader
Senior Contributor
Posts: 30,749
Registered: ‎02-07-2013
0

Re: Hit 700 for the first time in years. THANK YOU ALL !

Congrats and amazing story

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Community Leader
Valued Contributor
Posts: 1,067
Registered: ‎05-28-2013
0

Re: Hit 700 for the first time in years. THANK YOU ALL !

Yup, congrats on reaching that 700 mark and also on your 100th post! Smiley Tongue


Experian score (Amex) 734; Transunion score (Barclay) 732
Valued Contributor
Posts: 2,137
Registered: ‎06-16-2012
0

Re: Hit 700 for the first time in years. THANK YOU ALL !


yomellamoFICO2013 wrote:

I started reading myfico in mid December 2012 in search for answers after looking at all my credit mistakes over the years.

After gathering some information I decided to jump and sign up for EQ score watch, which I began at 620 on 1/18/13. That was an eye opener and decided to start on the Rebuilding Forum, where I found many questions to my answer on the credit quest.

Today for the first time in many years, I reached EQ 700 on 6/16 ( which may just be a number), but I feel that after many hours spend/invested   and letters sent, this is a new starting point. I know my score may go up and down, but I will always think about how much I struggled to regain control of my credit and my finances.

Now I have several TLs with positive information, which I hope I can see grown with time (but not in balance/debt).

I have been back and forth on the rebuilding,credit cards and garden forums, as I would also like to share my personal experience with my fellow community members.

Thank you to all the seasoned members and MODs for contributing and sharing your own experiences.

Special mention to RobertEG, shogun,guiness56,youngandcreditworty and 09Lexie.


Yay!!! Way to go on your accomplishments and a Big Congrats!!! This forum has helped many of us including myself!

gardening since 5/21/2016
Regular Contributor
Posts: 188
Registered: ‎07-23-2008
0

Re: Hit 700 for the first time in years. THANK YOU ALL !

Congrats on making it to 700 Smiley Very Happy

FICO scores:EQ- 723 (6/13), TU- 722 (6/13), EX- ?
My Wallet- AMEX BCE-17.5K, Chase Freedom-6k, Cap1- 5K, BMO Harris-5K, Wells Fargo-2K,
Store Cards-Lowes- 8K, Ashley Furniture-6K, American Furniture-2.5K,


Senior Contributor
Posts: 7,682
Registered: ‎01-05-2013
0

Re: Hit 700 for the first time in years. THANK YOU ALL !

Great work - congrats!

Regular Contributor
Posts: 236
Registered: ‎05-06-2008
0

Re: Hit 700 for the first time in years. THANK YOU ALL !

Congrats!!!! Smiley Happy

Starting: 6/2012 : EX: 485(FAKO) EQ: 490(FICO) Trans: 482(FAKO)
Current : 4/2014: EX: 650(FICO) EQ: 664 (FICO) Trans: 681 (FICO)

Cards: NPSL Amex Green (AU), $11500 Discover IT, $4000 Quicksilver One, $3500 Bank of America Travel Rewards,$3000 Amex BCE,$3000 Quicksilver One, $3000 AA, $2500 Sallie Mae MC, $5000 Citibank AA, $1500 Barclay, $1200 Macys
~Back to the Garden~

Goal Score: 700 Across!

Gardening til 8/2014!!
Regular Contributor
Posts: 230
Registered: ‎04-08-2008
0

Re: Hit 700 for the first time in years. THANK YOU ALL !

Congrats, OP! I am hoping to hit 700 too ...one day! lol
starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Established Contributor
Posts: 897
Registered: ‎04-21-2013
0

Re: Hit 700 for the first time in years. THANK YOU ALL !

Congrats.... Smiley Happy


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise/Defender.
Amex’s- BCE, Hilton, SPG®, PRG® and Blue®, NFCU Cash Rewards, FHB Destinations World Elite.
- Amex Centurion,(Citi) Executive/Platinum® Advantage


Alaska Airlines

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