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i woke up checked my scores i am now at..... wait for it..... 757! via creditkarma tra nsunion!! i cant believe just a yr ago i was 500! I am so thankful for this site and others like it. I have done so much research on credit and rebuilding and the shopping cart trick. I cant believe i am finally in excellent status! 30k in debt removed from disputes, a new car loan w 2.9% interest. 7 yrs ago my interest was 29%! I cannot believe how far ive come in such a short time, im almost in tears as this increase was a 46 point boost! and out of nowhere! I did not expect this. OMG im so happy i dont know what to do with myself. I feel like ive finally accomplished something so big that takes people many years! I did this in a year!
Congrats!!! I know how difficult it is when your credit is poor hopefully one day I get to the 750+ club too!
Amazing progress you've made. Now that you've reached this milestone, I can assume that you will do your absolute best to maintain it. Whos says hard work never pays off!
769 ⋅ INQs: 6 | 774 ⋅ INQs: 5 | 764 INQs: 8 | UTIL: 2% | AAoA: 5yr 8mos | Total Credit Line: $873,950 |
medline- you can do it! if i can do it anyone can!
@ysettle4 thank you, absolutely! ive been working hard! im not going backwards, ive learned my lesson! omg im so happy right now im literally almost in tears
@Anonymous wrote:i woke up checked my scores i am now at..... wait for it..... 757! via creditkarma tra nsunion!! i cant believe just a yr ago i was 500! I am so thankful for this site and others like it. I have done so much research on credit and rebuilding and the shopping cart trick. I cant believe i am finally in excellent status! 30k in debt removed from disputes, a new car loan w 2.9% interest. 7 yrs ago my interest was 29%! I cannot believe how far ive come in such a short time, im almost in tears as this increase was a 46 point boost! and out of nowhere! I did not expect this. OMG im so happy i dont know what to do with myself. I feel like ive finally accomplished something so big that takes people many years! I did this in a year!
Hi maddashto800,
Congratulations to you! Now please go over to https://www.CreditScoreCard.com and sign up (it's a Discover owned/backed FREE FICO score 8). It pulls Experian. Do that and please report back here to let us know of an action FICO score. I love creditkarma but don't like that fact that it isn't an actual FICO score.
Congrats on the hard work!!!
Now not to burst your bubble but Vantage scores w/ CK aren't all that reliable unless you can correlate them with a FICO. Head over HERE and sign up for a free EX FICO from Discover and see how it compares. Also, if you have a Sync account you get a free TU FICO as well.
thanks for the info i do know its just an educational score, this is what i have been going by since it is a good indicator. when i bought my car last month my real fico was 685 and my credit karma was 711 then so im sure its gone up as well. i will report back when i get my true fico update. thanks guys
Congradulations. Slow and steady gets you there! Remember the three P's.
1. Pay early
2. Pay in full
3. Patience