Reply
Moderator Emerita
LilMirth
Posts: 3,091
Registered: ‎08-09-2008
0

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

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Regular Contributor
jahmal
Posts: 181
Registered: ‎08-13-2008
0

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+

Take the FICO Fitness Challenge
Regular Contributor
Ishmael109
Posts: 184
Registered: ‎03-04-2008
0

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
iltph
Posts: 356
Registered: ‎02-28-2008
0

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
tonnie39
Posts: 141
Registered: ‎09-06-2008
0

Re: Your lowest FICO when you started rebuilding?

Then: 653 EQ 08Sep08

Now:  724 EQ 31Dec08

 

New Contributor
RLL1171
Posts: 73
Registered: ‎12-09-2008
0

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
Chopbrocoli
Posts: 805
Registered: ‎05-11-2007
0

Re: Your lowest FICO when you started rebuilding?

551 on EQ
AMEX Gold Premier Rewards | SPG AMEX | Bank of America Power Rewards | Merrill Plus | United Presidential Plus | Saks World Elite
Super Contributor
marty56
Posts: 5,696
Registered: ‎10-06-2007
0

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!

11/28/2014 FICO: EQ: 796 EX:788 TU:803
Frequent Contributor
creditreformer
Posts: 395
Registered: ‎04-25-2008
0

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.
Contributor
andytisk
Posts: 78
Registered: ‎12-27-2008
0

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

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+
}