Credit Cards

[LilMirth]

My lowest was Exp: 504 in July of 2008

My highest (as of 12/15/08) is TU at 683

[jahmal]

I was'nt paying attention because I know my credit was screwed but once I start getting offers I decided to check

August '08

540 TU

October 08 

742 EX, 673 TU

Jan 09

734 EQ

[Ishmael109]

I'm not sure if it counts as "rebuilding", but here's my scenario: I've had a CC's since the age of 18. I've NEVER been late, or missed a payment. So, I always assumed my credit was "excellent". I obtained a mortgage, financed cars, and never really payed attention to my FICO.

In 2005, I went to a Lucky Brand Jeans store, applied for a credit card, and I was denied. I was in a state of shock. I thought my identity was stolen. My reason for denial, was due to the fact that I had too much outstanding debt.  My scores at the time were: EQ 680, TU 603, and EX 650. I was dumbfounded, as my FICO knowledge was not what it was today.

I paid of 53K in CC debt from May 2005-present. I now have 800 scores on all 3 reports, and always PIF. That denial was a HUGE wake up call for me, and changed my life for the better.

[iltph]

My EQ was around 450 in Jul 06. I didn't start rebuilding until Mar 08 (when I joined the forums)

[tonnie39]

Then: 653 EQ 08Sep08

Now:  724 EQ 31Dec08

[RLL1171]

I can't remember when, but my scores were in the low 400's. The worst score was a 415. This is when I started to rebuild and pull things together.

[Chopbrocoli]

551 on EQ

[marty56]

Most have been in the high 500's low 600's.  Debt and # cards reporting a balance was my primary problem.

LOL my available credit back then was far less then total usage I have now.  Even at 1% or 0% util!

[creditreformer]

I don’t know b/c I didn’t pay to have my fico pulled b/c my credit was thrashed. I’m guessing it was in the 300s or 400s b/c even first premier denied me and I’ve never heard of anyone getting denied by them. however, my reports were pretty much a sea of red ink- lates, chargeoffs, collection agencies, judgment, tax lien, etc. name it + I probably had it- outside of medical collections + bk. When I finally got bold enough to pull my ficos after 1 yr of rebuilding (eventually first premier + orchard gave me ccs), they were in the mid-high 500s as of 4/08. Last time I pulled ficos a few mos. ago they were in the high 600s + may be in the 700s by now. I do not feed the fico monster obsessively, so will not know if I’ve hit my 700 fico goal until I pull in a few mos.

[andytisk]

In augist my scores were around 530 all around

Now: TU: 584  EXP: 628  EQ: 587