myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

I finally hit my goal

tag
Get Access Now
Imhotrodcrazy
Valued Contributor
‎09-02-2014 10:24 AM
‎09-02-2014 10:24 AM

I finally hit my goal

After many years my one and only blemish fell off of my EQ repor todayt,  28 days shy of 7 years.  This resulted in a 78 point increase on my  report.  I also pulled my TU and EX reports and to my delight  I  fell  into the 800 club across the board.  Needless to say,  I am a very happy camper.  It has been a long time coming,  and I can't tell you what it means to have all three reports perfectly clean. 

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 1 of 10
9 REPLIES 9
Ragelog
Established Contributor
‎09-02-2014 10:51 AM
‎09-02-2014 10:51 AM

Re: I finally hit my goal

Congrats I plan to be in your shoes eventually. I figure at best I am looking at somewhere around Mid 2017. As I will have 2 baddies that last until 2016 and 2017 that I will have to wait to drop off.

 

 

EQ04 675, EQ08 676, EX08 719, TU08 703 $12704.75/$123050 Revolving Credit (All 0% or 1.99%) - In Garden Since 5/25/2016

Last negative item should fall off in July 2017.
Message 2 of 10
0 Kudos
myjourney
Super Contributor
‎09-02-2014 01:32 PM
‎09-02-2014 01:32 PM

Re: I finally hit my goal

Congrats on your success

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 10
0 Kudos
EW800
Valued Contributor
‎09-02-2014 01:40 PM
‎09-02-2014 01:40 PM

Re: I finally hit my goal

Congratulations!!! 

 

May I ask what that one blemish was?  I am just curious what was holding your scores down by that many points after almost seven years.  

 

Again, congratulations!!  Smiley Happy

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 4 of 10
0 Kudos
Imhotrodcrazy
Valued Contributor
‎09-02-2014 01:53 PM
‎09-02-2014 01:53 PM

Re: I finally hit my goal

@EW800 wrote:

Congratulations!!! 

 

May I ask what that one blemish was?  I am just curious what was holding your scores down by that many points after almost seven years.  

 

Again, congratulations!!  Smiley Happy

 

 

I had a PR from a bad business deal.  I fought hard but wound up on the losing end.   Such is life.  Smiley Sad  You just tuff it out and move on. 

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 5 of 10
alinoapa
Regular Contributor
‎09-02-2014 01:58 PM
‎09-02-2014 01:58 PM

Re: I finally hit my goal

Glad to hear of your success....Congrats!!!

Message 6 of 10
0 Kudos
EW800
Valued Contributor
‎09-02-2014 02:07 PM
‎09-02-2014 02:07 PM

Re: I finally hit my goal

@Imhotrodcrazy wrote:

 

 

I had a PR from a bad business deal.  I fought hard but wound up on the losing end.   Such is life.  Smiley Sad  You just tuff it out and move on. 

 

I am so pleased to hear that the issue is now in the past!  

 

I have an ugly issue I am just waiting for time to heal as well.  My wife and I went through a foreclosure during some very ugly times a couple of years ago, but are moving on.  We are working hard to get the scores back up, however no doubt are being held down until the foreclosure falls off.  Regretfully, about five years to go.  

 

Again, congratulations!  It is great to see that you are in the 800's!!  Smiley Happy

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 7 of 10
0 Kudos
Imhotrodcrazy
Valued Contributor
‎09-03-2014 10:49 AM
‎09-03-2014 10:49 AM

Re: I finally hit my goal

Patience,  ( waiting for the PR to drop ),   and not applying for unnecessary cards is what did it for me. 

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
Message 8 of 10
0 Kudos
flawesome
Contributor
‎09-03-2014 01:35 PM
‎09-03-2014 01:35 PM

Re: I finally hit my goal

Well done!

| BoA BBR 5k | Discover it 1k | freedom 2.2k | Fidelity AMEX 1.5k | Sallie Mae 1k | AARP 2.2k | BJ's PPlus 3.7k |
Message 9 of 10
0 Kudos
alvon123
Super Contributor
‎09-04-2014 08:05 AM
‎09-04-2014 08:05 AM

Re: I finally hit my goal

congrats


Message 10 of 10
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.