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01-03-2009 06:25 AM
My lowest was Exp: 504 in July of 2008
My highest (as of 12/15/08) is TU at 683
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"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli
01-03-2009 06:49 AM
I was'nt paying attention because I know my credit was screwed but once I start getting offers I decided to check
742 EX, 673 TU
01-03-2009 07:01 AM
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.
01-03-2009 07:32 AM
01-03-2009 08:33 AM
01-03-2009 09:34 AM
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!
01-03-2009 11:32 AM
01-03-2009 03:00 PM
In augist my scores were around 530 all around
Now: TU: 584 EXP: 628 EQ: 587