New Member $100K club

DesertLife · ‎04-24-2014

In July of 2012 I started out with an EQ score of 714. I had already done a lot of work to improve my credit score, but there was more to learn! At that time I only had one $6k credit card limit. Now I have over $100K in available revolving credit, and my credit score has improved across the board. I'm very excited about my TU score being at 775. I'm getting closer to my goal of having 750+ with all three credit bureaus.

I have learned so much from this website, reading others posts, gaining inspiration for the success of others. I am now so knowledgable about this stuff that I am a primary source for friends and family about credit score improvement, getting out of debt, etc. I always refer these friends and family to this website to learn on their own. This is a great resource.Thanks!

Started out with a 648 EQ in 2018, finally got to 850 FS8 TU | 836 FSU EX in November 2021!

Stanic413 · ‎04-24-2014

Nice!! Congrats! Great to hear success stories.

18k

10k

7.6k

10k

5k

5.6k

1.7k

2k
Federal CU PLOC: $5k
Scores, Dec. 2014- TU: 755 EX: 763 EQ: 757
Last App: 12/8/14. In the garden until Jan 2016, getting "mortgage" ready.

avggoal700 · ‎04-24-2014

WTG

EX 706. TU 705 EQ 682. Avg 698

RushXTC · ‎04-24-2014

Congratz!

Me personally, I'm at $71kish. I'll be there when I come out of gardening (2 years from now).

-Wade- · ‎04-24-2014

@DesertLife wrote:
In July of 2012 I started out with an EQ score of 714. I had already done a lot of work to improve my credit score, but there was more to learn! At that time I only had one $6k credit card limit. Now I have over $100K in available revolving credit, and my credit score has improved across the board. I'm very excited about my TU score being at 775. I'm getting closer to my goal of having 750+ with all three credit bureaus.

I have learned so much from this website, reading others posts, gaining inspiration for the success of others. I am now so knowledgable about this stuff that I am a primary source for friends and family about credit score improvement, getting out of debt, etc. I always refer these friends and family to this website to learn on their own. This is a great resource.Thanks!

Congrats on your success

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Anonymous · ‎04-24-2014

Congrats on breaking $100K!

johnpalley · ‎04-24-2014

congrats. what are your cards and limits?

yudeology101 · ‎04-24-2014

Congrat on your 100k club, WTG on your success...woot woot!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
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Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)

BigBS · ‎04-24-2014

Congrats!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

masscredit · ‎04-24-2014

Congratulations!!! I also give me friends credit advice. Can't say that they all take it but I point out that they should do this, this, this and this to accomplish this. Their ears open up a little more when they start hearing about how much my credit has improved in the last few years. It's nice to see hard work pay off!

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500