Capital One declined a CLI request in December 2013 and sent me my EQ score with their rejection letter and it showed a EQ FICO of 633. In the beginning of January, I worked out PFD's with a collection company that deleted 8 medical collections from all reports. I also recently paid down my CC debt from 66% util to what's showing on EQ (per MyFico) at 38%. I just had to know if I had a score jump. I just paid the $20 bucks for my EQ score and seriously almost fell out of my chair. 780! Are you kidding me?!? The good news is, I have already paid off all of my cards so that 38% util reporting is now 1%. The score simulator showed an estimated 790 to 810 at 1% util. If I roll over 800 after seeing my FICO score at 444 once upon a time in my life, I'll probably shed a tear.
Just thought I would share. I'm TRULY on top of the world. Sounds like it's time for a couple of new credit cards to replace my CapitalOne rebuilders.... haha
I'd like to thank everyone on this forum. Without the wealth of knowledge here, I couldn't have done this. God Bless you all!
WOW!! That is a huge jump in score!!! congrats 
Wow!!! That's absolutely amazing! I've just added my first rebuilder accounts and paid some medical collections that should be removed as well. I'm hoping I'll see a score increase from this. Still a long way to go but posts like this keep me motivated! Keep up the great work.
Wow is right!!
That's awesome, congratulations! You don't see scores that high here that often.
You should be SO PROUD - good for you!!
Starting Score: 648
you went from semi risky some lenders would lend to you to actually being in the very dependable borrower category well done mate!
Exceptional Borrower ... coming soon.
Exceptional Borrower ... coming soon.
Starting Score: 651
That's great! Glad you were able to rebound and get things back in your favor.
Thanks for all of your kind words. For anyone reading this, here are the types of accounts I have and info in the score. I'm very confident this will roll over 800 by the 10th of the month once my new util reports. I thought it might be helpful to share.
AAoA - 6 years
no late payments/perfect payment history
utilization at the time of the 780 pull - 38%; now 1%, just hasn't reported (will on the 9th'ish)
9 total tradelines; 5 open; 4 closed
Student loan 9 years old; oldest credit card opened 11/2010
RATIO: 2 installment loans (student loan and Chase car loan); 3 credit cards (2 CapOne and 1 Discover) RATIO: 2 to 3
Oldest open account: 17 years (now showing closed; it was Sears card I opened and never used but GECRB kept reporting and kept reporting "on time"... lol)
Hard pulls: total 7; most recent was 2/19/2013 so over one year (I bought a truck in 2012 that resulted in 5 hard pulls in the same day... still aggravated about that)
* I have NO mortgage on my reports. Our house is in my wife's name b/her credit was much better than mine and her income supported it alone.
My BK was in 2004 and the medical collections happened from 2005 to 2010. There was also a paid state tax lien that fell off last year. I think one the ingredients in this score are that really helps is RATIO of installment vs revolving. I'm still convinced too many credit cards can hurt your score no matter the limit or how awesome the cards are. When I see folks get 12 store cards, I kind of cringe... lol... one or two decent ones would be fine but I'm not sure having 10+ proves anything.
Again, thanks for the wealth of knowledge that's passed around here. I couldn't have done this without each and every one of you sharing your stories, experience, motivation, success and being just overall supportive. I've never been a part of a community with such an 'arms around' approach. Thumbs up.
Edited: grammar