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Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

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 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Established Contributor
Posts: 504
Registered: ‎08-28-2012
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Re: from 501 to 689 in 12 mos.

Nicely done!

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

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!



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Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
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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
Posts: 1,228
Registered: ‎05-10-2012
0

Re: from 501 to 689 in 12 mos.

Wow, congrats!

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

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. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

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 Smiley Wink I was even worse than you last year =)

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: from 501 to 689 in 12 mos.

Congrats

Frequent Contributor
Posts: 273
Registered: ‎09-30-2012
0

Re: from 501 to 689 in 12 mos.

I should have filmed my burning FP card! Congrats!


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Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: from 501 to 689 in 12 mos.

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

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
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