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Regular Contributor
Posts: 235
Registered: ‎07-04-2007
0

Motivation

Your score history
 
I just thought some of you guys would like to see my progression since getting serious in Jan 07.  As you can see, it takes time, but eventually, your score will get better. Bank Of America still hasnt reported the $1000 I took off of it (CL is 1500, when I charged a down payment on a car of $1000, it dropped my score to 670 from 684) I didnt get the car, got my money back and I am still waiting to see if I get my points back (the credit card has a $5.00 balance). I think I should, but anyway, see the rise since I got serious? No inq, no baddies, and I have been paying down debt. Good luck guys and keep on the block...dont give up and you can dig yourself out of bad credit holes, it just takes time..
 
Stpn2me
TU - 593 EQ - 584 EX - 572 as of 17 Jan 2015
Valued Member
Posts: 33
Registered: ‎04-23-2007
0

Re: Motivation

WOW!!!  That's almost 150 points from the low in Jan '07.  Excellent job!!!!!
Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Motivation

Hey, nice work! My EQ graph just looks like a dead snake in the road --some zigs and zags, but no appreciable movement. :smileysad: I need to show your graph to my graph, so it will understand what it's supposed to be doing.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
Posts: 1,435
Registered: ‎08-07-2007
0

Re: Motivation

Great job!  What caused that big dip at the first of the year?
Regular Contributor
Posts: 235
Registered: ‎07-04-2007
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Re: Motivation

[ Edited ]
"What caused that big dip at the first of the year?"
 
I had a late on a student loan while it was being consolidated and not really knowing about this site. Since then I have gotten the lates removed by asking for the loan office to take them off and that just happened this month. It should go up nicely this month. Plus being in afghanistan not being able to spend money didnt hurt!:smileyvery-happy:
 
I just wanted some people to know that what they say on this forum does work but it only takes time..
 
Stpn2me
 
TU - 673 EQ - 670 EX - 684


Message Edited by stpn2me on 11-11-2007 11:41 AM
TU - 593 EQ - 584 EX - 572 as of 17 Jan 2015
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
0

Re: Motivation

WTG! Let's keep the good news coming!
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1
Regular Contributor
Posts: 306
Registered: ‎11-07-2007
0

Re: Motivation



stpn2me wrote:
Your score history
I just thought some of you guys would like to see my progression since getting serious in Jan 07. As you can see, it takes time, but eventually, your score will get better. Bank Of America still hasnt reported the $1000 I took off of it (CL is 1500, when I charged a down payment on a car of $1000, it dropped my score to 670 from 684) I didnt get the car, got my money back and I am still waiting to see if I get my points back (the credit card has a $5.00 balance). I think I should, but anyway, see the rise since I got serious? No inq, no baddies, and I have been paying down debt. Good luck guys and keep on the block...dont give up and you can dig yourself out of bad credit holes, it just takes time..
Stpn2me



Congratulations! ^^

-
EX - 677 | EQ - 714 | TU - 724 as of December 4, 2013.
-
CC - Bank Of Hawaii - Hawaiian Airlines - $1500 / AMEX - Costco - $1200 (Nov '13) / Discover IT - $1200 / Aloha Pacific Credit Union - $3000 / AMEX - Blue - $6500 (authorized user) / Chase - CSP - $5000 (Dec '13)
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Closed Accounts - AMEX Platinum.
Valued Contributor
Posts: 1,694
Registered: ‎08-07-2007
0

Re: Motivation

great work!  be safe in afghanistan!
Regular Contributor
Posts: 236
Registered: ‎07-21-2007
0

Re: Motivation

Way to go!
Valued Contributor
Posts: 2,385
Registered: ‎09-10-2007
0

Re: Motivation

WTG!
 
Inspiration to all of us.
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747
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