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Shocked!! but happy as can be...

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akabigo
Contributor

Shocked!! but happy as can be...

Hello Everyone,

 

I found this forum while searching for info on EOS-CCA that had me pinned with an old ATT bill of $11K!. Because of information that I found on this site, I was able to have this removed from all 3 CR and my Fico jumped 700 to 806 on Equifax as of this morning, Im sure TU is close as well. Anyway I decided to see what it would get me...

 

Discover More 12.99% APR $7500 CL

Citi ThankYou Preferred 12% APR $8000 CL

 

Before this my highest CL was Dell @$4000, Chase Freedom @$3500 and BOA @$2500

 

Best part is that I can part ways with 3 cards from HSBC/Capital One that total $1750 in CL that are 4-6 years old and .... wait for it...

 

I can close Credit One $1525CL and Applied Bank $2300Cl !!! I know these two are frowned upon but they served me well as far as getting my act cleaned up.

 

Only thing left is to finish rehabbing my student loans and my Experian should be right up there with the other two and then I can tackle AMEX again. Hopefully I will still be able to backdate to '98 but we shall see. At this point, who cares.

 

Thanks for all the great advice from everyone that puts their info out there for others to see and benefit from. I plan and hope to contribute when I can for years to come.

 

Have a GREAT Holiday Season

 

Orlando

 


 

 

Fico scores 800+
Message 1 of 15
14 REPLIES 14
anthill927
Established Member

Re: Shocked!! but happy as can be...

congrats! I cant wait until I can get an AMEX card or a limit over 5000. lol

I want to be in the 700s again!
Message 2 of 15
Swapmeet
Valued Contributor

Re: Shocked!! but happy as can be...

Congrats! Amex is still a ways down the road for me, but definitely a goal -- the top of the CCC food chain...



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 3 of 15
Duncanrr
Valued Contributor

Re: Shocked!! but happy as can be...

Grats on your progress.  I'm a little jealous as my scores are only crawling up very slowly now Smiley Happy  But nice going.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 15
ObeyJohnny12
Established Contributor

Re: Shocked!! but happy as can be...

Congrats! Patience pays off. 

Keep up the good work! Smiley Happy

This site is responsible for the success of many users in their credit journey!

Wells Fargo Secured - 7k
Opensky - 5k
Rebuilding One Day At A Time.
Message 5 of 15
akabigo
Contributor

Re: Shocked!! but happy as can be...


@ObeyJohnny12 wrote:

Congrats! Patience pays off. 

Keep up the good work! Smiley Happy

This site is responsible for the success of many users in their credit journey!



There is no other place like it that's for sure.

 

Fico scores 800+
Message 6 of 15
SpiceIslander
Frequent Contributor

Re: Shocked!! but happy as can be...

AWESOME! Huge congrats!

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 7 of 15
Epcot
Valued Contributor

Re: Shocked!! but happy as can be...

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 8 of 15
Movin_on_up
New Contributor

Re: Shocked!! but happy as can be...

Congrats - nice work on the clean up!

Starting score: EQ FICO 8 702 (1/1/2012)
Current scores: EQ FICO 8: 763 / TU FICO 8: 760 / EX FICO 8: 765

Wallet: Chase Freedom 12K - Discover More 12K - Walmart 1K - Capital One MC 1K
Message 9 of 15
HiLine
Blogger

Re: Shocked!! but happy as can be...

Wow! An 800+ achiever! Congratulations!!! With your record I'm sure you'll get approved for almost any cards you want.

 

How did you remove the ATT bill from the reports by the way? I'm trying to help a friend deal with a similar issue.

Message 10 of 15
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