from 501 to 689 in 12 mos. UPDATE

rootpooty · ‎10-28-2011

Down to one baddie left but not going to mess with it being it falls off in 5 mos. Started wtih 7 derogs with zero credit history. Tonight I will request my secured card with NFCU be unsecured as well as an APR decrease. Hoping for a 5k limit.

I also have a BOFA secured card but Im going to wait and see how the NFCU account turns out and after they report I'll hit up BOFA. Not going to get too excited about BOFA though if im lucky and I mean lucky they are likely to give me my 300.00 back and increase the limit to 1,000 but I wont count on it.

Im going to close (PUTTING FLAME SUIT ON) my first premier card. This card is actually a secured card that only has a 50.00 year fee but surprisingly they didnt charge it at the year mark last month and there are no other fees despite the horrific reviews people give here.

If everything goes well with NFCU ill also apply with Chase freedom and walmart and thats it until that last derog falls off then who knows.

Someone get me some anti itch cause I dont want to keep scratching it! lol

****UPDATE**** NFCU approved for 5000.00. They asked how much I wanted I told them 5000.00

djrez4 · ‎08-28-2012

Nicely done!

webhopper · ‎09-16-2011

Amazing progress you've made there rootpooty!!!

Good Luck with NFCU... I sense that it will have a very positive outcome!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge

wallyworld123 · ‎01-04-2012

I am happy for you thats a gr8 accomplishment and you should be proud of yourself 501-689 wonderful. I love nfcu i know you have been waiting patiently for this day to come. I am rooting for you big time!

Jutz · ‎05-10-2012

Wow, congrats!

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $7000
Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013

2013 Goals:
~~New Car~~
700 Club
~~AMEX Member~~

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800

Epcot · ‎10-10-2012

Good job on your progress! Hope NFCU and others show you some love now! Keep us posted.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12

distantarray · ‎09-25-2011

that's great =) nice to see others getting huge jumps in scores in a short time. in 2 months try to dispute the items as obsolete they'll often remove early if it's close enough I was even worse than you last year =)

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

Cadillac-XTS · ‎08-20-2012

Congrats

obageegee · ‎09-30-2012

I should have filmed my burning FP card! Congrats!

Starting Score: 530 - 2/12
Current Score: EX - 682 EQ - 704 TU-680
Goal Score: 700+
App free since 5/22/13

Repo-ed · ‎02-09-2012

nice work!!! I hope to see similar results come Feb (My 12 mo. mark)

Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700
Take the myFICO Fitness Challenge

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from 501 to 689 in 12 mos. UPDATE

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from 501 to 689 in 12 mos. *UPDATE*

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from 501 to 689 in 12 mos. UPDATE