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Regular Contributor
Posts: 171
Registered: ‎03-04-2008
0

Re: Your lowest FICO when you started rebuilding?

4/23/08 EX-614 EQ-624 TU-635
1/03/09 EX-679 EQ-670 TU-674
4/23/08 EX-614 EQ-624 TU-635
5/6/08 EX-660 EQ-628 TU-685
5/12/08 EX-660 EQ-652 TU-685
12/08/08 EX-670 EQ-670 TU-674
New Contributor
Posts: 71
Registered: ‎03-22-2007
0

Re: Your lowest FICO when you started rebuilding?

540 aug 08

593 jan  09

 

had several collections deleted and pd/sttl'd 4 accts... but i have a lot of inquires and unfortunately was an app addict until 12/30/08. i will not apply for anything else except when i refinace my car, maybe in the next yr, thru 1 of my 2 cu's.

 

i am working on my utilization which is the other thing that is killing my score. having added health ins to be taken out of my pay check starting this month, i don't see it my balances going down until maybe may 09.

 

wish me luck!!!

***I was an app addict, and I'm not ashamed to say it!***
Regular Contributor
Posts: 156
Registered: ‎02-24-2008
0

Re: Your lowest FICO when you started rebuilding?

I started rebuilding in Feb 2008 with in FICO scores in the mid 400's. As of today, my all my 3 FICO scores are in the 730's!

 

Phew! It was a lot of work.

New Contributor
Posts: 71
Registered: ‎03-22-2007
0

Re: Your lowest FICO when you started rebuilding?

[ Edited ]
Wow! How did you do that????!!!
Message Edited by mamalawery on 01-03-2009 09:34 PM
***I was an app addict, and I'm not ashamed to say it!***
Member
Posts: 9
Registered: ‎11-12-2008
0

Re: Your lowest FICO when you started rebuilding?

A year ago all of my scores were around the 550 range after reading and following sound advice from the forums, my lowest score is now EQ at 701. I was just approved for a USSA CC at 7.9% with a 15K limit. I want to thank all of the people who shared their experiences and advice to get me where I am today. Next step is to buy a home near the beginning of 2010.

 

FICO JAN 09 TU 736 / EQ 753 / EX 704?
Regular Contributor
Posts: 106
Registered: ‎08-26-2008
0

Re: Your lowest FICO when you started rebuilding?

Jan 08    574

 

Dec 08    See below

08/08 FICO TU649 EQ645 EX639
12/08 FICO TU665 EQ672 EX667
03/09 EQ650
App-free since 01/29/09
Frequent Contributor
Posts: 456
Registered: ‎02-06-2008
0

Re: Your lowest FICO when you started rebuilding?

my scores were so low because of collections and collection agencies checking my credit 69 times a month for 6 months trying to ruin mu score. I have a short credit history but thankfully I only have 2 of those 23 collections on my reports i got all the inquires deleted and all my lates erased except on my macys Smiley Sad
Contributor
Posts: 78
Registered: ‎08-23-2008
0

Re: Your lowest FICO when you started rebuilding?

I got a divorce and had to file BK in 2000.  I had NO open credit for almost 8 years, only 3 collections, the BK and a $57K tax lien.  I started rebuilding in Feb '08, but didn't know about FICO at the time.  Low 500's by the time I learned the diff in FICO / FAKO.  Now 690's on all 3... thanks to all the help / tips from this forum.
4/13/08 FICOs: TU 646 / EQ 583 / EX 623
2/06/09 FICOs: TU 708 / EQ 689 / EX 705
12/12/09 FICOs: TU 773 / EQ 737 / EX 761
Established Contributor
Posts: 515
Registered: ‎07-01-2008
0

Re: Your lowest FICO when you started rebuilding?

Started my rebuild in July/August 2008.  My scores were in the low 500's.  Pulled December 2008.  My three scores are 643, 665, and 720.  Oh why can't they all be like Experian!?!?!
New Contributor
Posts: 66
Registered: ‎08-30-2008
0

Re: Your lowest FICO when you started rebuilding?

Good question.  When I went to GreenPath in June 2005 (three months before filing my BK), they ran a credit report on me but it used a FAKO score (CreditXpert - 610; the score was probably inaccurate, but that report said only 16.6% of credit consumers had a worse score, and that percentile is probably accurate).  I didn't know about FICO vs. FAKO back then, obviously.  I always wondered what the FICO scores were when I filed, but I guess I'll never know.

Starting Score: 677 EQ (1/21/09)/705 TU (1/21/09)/714 EXP (1/21/09)
Current Score: 707 EQ (9/21/10)/720 TU (3/27/10)/Darn you EXP
Goal Score: 720 on all three by end of 2010


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