Just got my Transunion update from myfico monitoring yesterday....774!!!!
I honestly can't even believe it! I started on this forum about 2 years ago with 4 collections accounts, 2 defaulted student loan accounts...and a ~55x score. Actually pretty much wrote off any semblance of a good future.
Didn't understand how the whole credit system worked, but began reading through all the threads, really set down a firm foot on being more financially responsible, and began paying off collection accounts and sending GW letters.
Long story short, my last update was 674 through credit monitoring 3 months ago. But since then I managed to finally get Transunion to delete my 2 defaulted school loans since I completed the Rehabilitation program....and saw that now its at 774. What a huge jump!
Now the only thing I have negative are (2) 30 days negs over 2 years old on one of my cc's...have sent GW's but do not think they'll ever take those off, as they vehemently state 
. Oh well....no worries. As others have stated, the best things you can do are keep your credit card balance below 10% utilization every month and always pay off on time. I opened a second cc with low limit (300) through Orchard Bank about 6 months ago and it appears to be working wonders as well.
Experian score was already 714 back about 5 months ago, and all 3 of my credit reports are now consistent, so I'm pretty sure I'm well over 700 accross the board.
Next goal: 800+!
Thanks again everyone and best of luck!
@ninjacookies wrote:
Just got my Transunion update from myfico monitoring yesterday....774!!!!
I honestly can't even believe it! I started on this forum about 2 years ago with 4 collections accounts, 2 defaulted student loan accounts...and a ~55x score. Actually pretty much wrote off any semblance of a good future.
Didn't understand how the whole credit system worked, but began reading through all the threads, really set down a firm foot on being more financially responsible, and began paying off collection accounts and sending GW letters.
Long story short, my last update was 674 through credit monitoring 3 months ago. But since then I managed to finally get Transunion to delete my 2 defaulted school loans since I completed the Rehabilitation program....and saw that now its at 774. What a huge jump!
Now the only thing I have negative are (2) 30 days negs over 2 years old on one of my cc's...have sent GW's but do not think they'll ever take those off, as they vehemently state
Experian score was already 714 back about 5 months ago, and all 3 of my credit reports are now consistent, so I'm pretty sure I'm well over 700 accross the board.
Next goal: 800+!
Thanks again everyone and best of luck!
Congrats!! Very awesome feeling!
Ninja, CONGRATULATIONS!!! Your story is very encouraging to someone like me that is in the rebuilding phase and fighting through the setbacks.
Starting Score: 576 EQ 1-12-13
Your welcome, but YOU did all the work.
Let's do the HAPPY DANCE, with nijacookes. 
I just made the 700 club today myself!!! EX FICO 700!! So awesome!
Congrats! This is inspiring!
@aot2009 wrote:Wow congrat's I'm at a 725 today with TU and I had TU change 9 student loans to positive accounts. I still have 6-7 left that show but it amaze's me that student loans can drop the scores so much.
Are they in deferrment currently or in payback mode?