Reply
Valued Contributor
rootpooty
Posts: 1,716
Registered: ‎10-28-2011

from 501 to 689 in 12 mos. *UPDATE*

[ Edited ]

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

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012

Re: from 501 to 689 in 12 mos.

Nicely done!

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: from 501 to 689 in 12 mos.

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: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012

Re: from 501 to 689 in 12 mos.

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!

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: from 501 to 689 in 12 mos.

Wow, congrats!

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Epcot
Posts: 2,783
Registered: ‎10-10-2012

Re: from 501 to 689 in 12 mos.

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

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: from 501 to 689 in 12 mos.

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 :smileywink: I was even worse than you last year =)

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: from 501 to 689 in 12 mos.

Congrats

Frequent Contributor
obageegee
Posts: 268
Registered: ‎09-30-2012

Re: from 501 to 689 in 12 mos.

I should have filmed my burning FP card! Congrats!




Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Re: from 501 to 689 in 12 mos.

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


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
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+