Reply
Established Contributor
CreditCrusader
Posts: 799
Registered: ‎09-27-2011

Finally hit the big 7-0-0-!!!

[ Edited ]

Just two years removed from a BK7 discharge, my three FICO scores have hit 700!

 

I know it's not a huge deal given the spread of 750-850 scores prevalent here, but it's a huge deal for me...especially since these scores (in my sig) came from a lender pull to pre-qualify for our first new home! :smileyhappy:

 

Thanks to all for your help and great advice. This is the best, most useful forum in the world BAR NONE.

 

Edited to add:

 

I just reviewed my EQ CR...I have some significant CC balances that have not yet reported as PIF and will do so next week. Could be pushed even higher by then!

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge
Super Contributor
marty56
Posts: 5,679
Registered: ‎10-06-2007

Re: Finally hit the big 7-0-0-!!!


CreditCrusader wrote:

Just two years removed from a BK7 discharge, my three FICO scores have hit 700!

 

I know it's not a huge deal given the spread of 750-850 scores prevalent here, but it's a huge deal for me...especially since these scores (in my sig) came from a lender pull to pre-qualify for our first new home! :smileyhappy:

 

Thanks to all for your help and great advice. This is the best, most useful forum in the world BAR NONE.


 

No, it is a bigger deal since it gives many others hope and more momentum to keep on going.

 

Great news and +1000 to you. 

09/12/2013 FICO: EQ: 772 EX:813 TU:752
Established Contributor
teenastie
Posts: 638
Registered: ‎07-28-2011

Re: Finally hit the big 7-0-0-!!!


CreditCrusader wrote:

Just two years removed from a BK7 discharge, my three FICO scores have hit 700!

 

I know it's not a huge deal given the spread of 750-850 scores prevalent here, but it's a huge deal for me...especially since these scores (in my sig) came from a lender pull to pre-qualify for our first new home! :smileyhappy:

 

Thanks to all for your help and great advice. This is the best, most useful forum in the world BAR NONE.

 

Edited to add:

 

I just reviewed my EQ CR...I have some significant CC balances that have not yet reported as PIF and will do so next week. Could be pushed even higher by then!



I'm very happy for you! I've tracked your progress and I'm sure you and your family are ecstatic from your hard work!!!



Moderator
pizzadude
Posts: 8,143
Registered: ‎01-28-2010

Re: Finally hit the big 7-0-0-!!!

 

Congrats on the rebuilding success !!!   Great job !! :smileyhappy:

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Regular Contributor
ccubedzx3
Posts: 171
Registered: ‎04-30-2012

Re: Finally hit the big 7-0-0-!!!

How long did it take you to achieve this score? My starting score is close to yours, just want to see how long it takes to get there!

 

Great work!

 


Starting Score:5/22/10 590
Current Score: 6/11/13 670
Lender Mid Score: 6/11/13 670

Goal Score: 700


Take the FICO Fitness Challenge
Established Contributor
CreditCrusader
Posts: 799
Registered: ‎09-27-2011

Re: Finally hit the big 7-0-0-!!!

Thanks for the congrats folks!

 

I began rebuilding the spring of 2010. It wass difficult plodding along with $300 limit cards and $79 annual fees, but over time as I crept toward 600 FICO scores I knew better things were in store.

 

As much as I hate to say this (because I have my issues with some of their policies), it was the Barclay Apple VISA that seemed to put my credit into the cusp of Primeville. They originally denied me (TU 616), but after a couple of recons, I found someone who took into account the entirety of my credit profile. My credit union, 3 Rivers in Fort Wayne, then gave me my best card to date...a rewards card that has a 5-star rating, a very low APR, no AF, and a very good opening CL.

 

Once I close on my house, Discover will complete my trifecta (Barclay Apple, 3 Rivers, Discover) and I'll be done applying for everything...that is, until my wife wants a Lowe's card to fix up the house :smileyvery-happy:

 

Thanks again guys!

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge
Regular Contributor
psychoinhell
Posts: 565
Registered: ‎06-12-2010

Re: Finally hit the big 7-0-0-!!!

I have to say that it is a very big deal since you have a bk on your report so recently.  To pull your score up to 700 so quickly is a major accomplishment!  It truly makes me wonder what I could have accomplished with my score if I took it more seriously.

 

Someone fire up the 21 gun salute for the Crusader, the deserves it!


Starting Score: 600ish in 2007
Highest Score to date: EQ 716 May 2012(lender pull)
Current Score: EQ 685 6-21-12 ; Walmart TU Fico 744 6-05-12
Goal Score: 801
Frequent Contributor
AZHeather
Posts: 304
Registered: ‎04-26-2012

Re: Finally hit the big 7-0-0-!!!

Congrats CreditCrusader!!  I know how you feel as I too just hit the 700 club today on 2 out of 3 reports (EX could be up there too, but tis a mystery!).  And I agree...this is the BEST forum/website!!

 

Good luck with the house hunting!!!:smileywink:


Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)


Take the FICO Fitness Challenge ~ In the garden until June 2013!
Established Contributor
CreditCrusader
Posts: 799
Registered: ‎09-27-2011

Re: Finally hit the big 7-0-0-!!!


psychoinhell wrote:

I have to say that it is a very big deal since you have a bk on your report so recently.  To pull your score up to 700 so quickly is a major accomplishment!  It truly makes me wonder what I could have accomplished with my score if I took it more seriously.

 

Someone fire up the 21 gun salute for the Crusader, the deserves it!


You're too kind, my friend. Thank you for the salute! :smileyhappy:

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge
Established Contributor
CreditCrusader
Posts: 799
Registered: ‎09-27-2011

Re: Finally hit the big 7-0-0-!!!


AZHeather wrote:

Congrats CreditCrusader!!  I know how you feel as I too just hit the 700 club today on 2 out of 3 reports (EX could be up there too, but tis a mystery!).  And I agree...this is the BEST forum/website!!

 

Good luck with the house hunting!!!:smileywink:


Thank you, Heather. Congrats on hitting the 700 club!!! :smileyhappy:

I'm Spartacus!

hr>Starting Score: EQ 546, EX 547, TU 580
Current Scores (lender): EQ 725 , EX FICO 720, TU 737 FICO scores>
Goal Score: 750
Take the FICO Fitness Challenge

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
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+