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Moderator Emerita
Posts: 3,090
Registered: ‎08-09-2008

Re: Your lowest FICO when you started rebuilding?

My lowest was Exp: 504 in July of 2008


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


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Regular Contributor
Posts: 181
Registered: ‎08-13-2008

Re: Your lowest FICO when you started rebuilding?

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

Starting Score: 8/2008 521
Current Score: 734
Highest Ever: 4/2009 759
Goal Score: 760+

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Regular Contributor
Posts: 184
Registered: ‎03-04-2008

Re: Your lowest FICO when you started rebuilding?

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.

Frequent Contributor
Posts: 356
Registered: ‎02-28-2008

Re: Your lowest FICO when you started rebuilding?

My EQ was around 450 in Jul 06. I didn't start rebuilding until Mar 08 (when I joined the forums)
April 2009: TU 768
March 2009: EQ 671
February 2009: EQ 666
January 2009: TU 667 | EQ 620 | EX 669
December 2008: TU 651 | EQ 625 | EX 649
April 2008: TU 642 | EQ 636 | EX 635
November 2007: EQ 542

November 2006: EQ 501
Regular Contributor
Posts: 141
Registered: ‎09-06-2008

Re: Your lowest FICO when you started rebuilding?

Then: 653 EQ 08Sep08

Now:  724 EQ 31Dec08


New Contributor
Posts: 73
Registered: ‎12-09-2008

Re: Your lowest FICO when you started rebuilding?

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.
FICO 12/9/08 TU 648 EFX 640 EXP 618
FICO 12/17/08 TU (?), EFX 635
FICO 12/24/08 TU (?) EFX 616
FICO 1/21/09 TU (?), EFX 623
FICO 3/3/09 TU 654, EFX 700
FICO 4/9/09 TU 655, EFX 705
Established Contributor
Posts: 805
Registered: ‎05-11-2007

Re: Your lowest FICO when you started rebuilding?

551 on EQ
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Super Contributor
Posts: 5,732
Registered: ‎10-06-2007

Re: Your lowest FICO when you started rebuilding?

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!

06/10/2017 FICO: EQ 781 TU 787 EX 785
Frequent Contributor
Posts: 420
Registered: ‎04-25-2008

Re: Your lowest FICO when you started rebuilding?

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.
Posts: 78
Registered: ‎12-27-2008

Re: Your lowest FICO when you started rebuilding?

In augist my scores were around 530 all around


Now: TU: 584  EXP: 628  EQ: 587

Trying to join the 700 club by mid 09
When joined myFICO board:
12/08: TU: 579 EXP: 628 EQ: 587
01/09: TU: 644 EXP: 634 EQ: 630

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