Frequent Contributor
Posts: 297
Registered: ‎08-08-2012

Re: Thank you to this forum

pdog661 wrote:

Thanks Ava,


Thanks to your help I was also able to get my DW lates removed from Ochard.





+1 Awesome!!! Glad I could help...I guess we both will be gardening for a a sec.


Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Established Contributor
Posts: 525
Registered: ‎02-14-2012

Re: Thank you to this forum

[ Edited ]



Hear, hear!! This forum rocks!!!! Great job, pdog661! Congrats on all you've accomplished!



Edited for spelling.

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP

Senior Contributor
Posts: 3,746
Registered: ‎12-11-2011

Re: Thank you to this forum


I think we all owe a lot to this forum, i used to be just a lurker and I learned so much from the great people here, and now im on my way, hopefully to one day get a score as nice as yours!

Moral of the story,

Myfico is good people haha.
Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012

Re: Thank you to this forum

Amazing results! Nice work.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011

Re: Thank you to this forum

pdog661 wrote:



I wanted to publicly thank this forum for all the advice and time people have spend sharing information.


Many here have helped me achieve great things with my credit in a very short time (6 months).


Due to advice on this board I was able to remove all negative items (2 30 days, and 1 60 day late) through GW process.


In addition to I have upgraded my Limits and card status.


Here is where I started 6 months ago.


Credit score 663:

BOA visa -8000 CL

Citi Professional 3600 CL

Amex Blue - 4000 CL

Amex Hilton -600 CL

FHA Mortgage -5.75%



Here is where I am today:


BOA Visa - 15000 CL

Discover More - 14000 CL

Amex Blue Cash preferred - 9700 CL ( product change and CLI)

Citi Diamond Preferred - 6000 CL (product change and CLI)

Citi Home Depot Care - 6200 CL

Amex Hilton - 4000 CL

Amex Platinum - NPSL

Conventional Mortgage - 3.625%


Credit Score - 778 (today)


Thanks to this board I have saved significantly on my monthly payments, up my credit score by over 100 points, and added thousands to my limits. 


For all those rebuildling and working to achieve their goals; Keep at it.  6 months of hard work will pay off.


The advice on here this forum is priceless.  Beyond the advice the forum gave me the confidence, and the mode of attack to achieve my goals.


Now I enter the garden for 2 years to rid myself of the HPs.  The simulator shares once I loss the hard pulls I should hit the magical 8's.


Good luck to all, and I thank you for your guidance to get me to this point.


Thank you all. 







Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 178
Registered: ‎09-12-2012

Re: Thank you to this forum

Great job on all your hardwork!  It has truly paid off.

Regular Contributor
Posts: 348
Registered: ‎02-01-2010

Re: Thank you to this forum

Excellent work, OP! Congrats!


FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Barclays / Sallie Mae World MC 13000 | Lowes 10,000 | LOC 9300 | FNBO 8900 | Amex BCP 7200 | BOA Platinum+ 6000 | Amex SPG 5700 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+