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from 501 to 689 in 12 mos. *UPDATE*

tag
brother7
Established Contributor

Re: from 501 to 689 in 12 mos.

Congratulations!

A 188-point increase in 12 months is the stuff that legends are made of! And it's a testament to your perseverance and dedication to the task. Rebuilding is a tough road sometimes but as you know, the reward is oh, so sweet! Smiley Very Happy



04/01/2020 - EX 849 (Credit Scorecard EX FICO® Score 8, range 300-850)
02/20/2020 - TU 850 (Discover TU FICO® Score 8, range 300-850)
03/24/2020 - EQ 884 (Citi EQ FICO® Bankcard Score 8, range 250-900)
GOAL - 800! - App free since 11/22/2017
Message 11 of 20
tennisfan78
Established Contributor

Re: from 501 to 689 in 12 mos.

wow, congratulations!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 12 of 20
rootpooty
Valued Contributor

Re: from 501 to 689 in 12 mos.

Thanks for the responses.  I followed members recommendations here and started with 3 secured cards while I worked on my derogs.  2 things that every rebuilder should have is patience and persistance.  Im sure I couldve hit 700's but I'd rather let that last derog fall off.  No sense in poking something that is 7 years old.  The best part other than getting collections deleted was finding out I was eligible for NFCU.

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
Message 13 of 20
Hightechredneck
Frequent Contributor

Re: from 501 to 689 in 12 mos.

Way to go! Bravo!

Message 14 of 20
rootpooty
Valued Contributor

Re: from 501 to 689 in 12 mos. *UPDATE*

****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
Message 15 of 20
bluesnowman
Frequent Contributor

Re: from 501 to 689 in 12 mos. *UPDATE*

Nice work! You did what you had to and now you can get some really good cards, and you turned yourself around from having terrible credit to having decent credit now. Keep it going!

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 16 of 20
djrez4
Established Contributor

Re: from 501 to 689 in 12 mos. *UPDATE*

Should have asked for $10k!  Smiley Very Happy

Message 17 of 20
jordanmedical
Established Contributor

Re: from 501 to 689 in 12 mos. *UPDATE*

for which card, root? Or did you get a cli?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 18 of 20
rootpooty
Valued Contributor

Re: from 501 to 689 in 12 mos. *UPDATE*


@jordanmedical wrote:

for which card, root? Or did you get a cli?


They wouldnt unsecure my secured nrewards.  Today Ive had it for a full year and they told me they no longer do it at the 12 month mark now instead they auto do it at the 13 month mark.  I got the cli on my plat. card originally was 1k limit requested 5k instant approved over the phone

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
Message 19 of 20
JusdoNit
Established Contributor

Re: from 501 to 689 in 12 mos.

Very well played. My hatt off to yaSmiley Wink


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


Message 20 of 20
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