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Valued Member
Posts: 49
Registered: ‎11-02-2012
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I'm so geeked...!!!

So I'm a month in my credit repair and working with an agency to dispute items on my cr. I've read so much about credit in this month and followed the advice the agency gave me and applied for a CC (they told me 2, but I'll get to the 2nd one later). I was approved for a Discover. I check 2 of my scores today and they jumped over 700!!!!

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: I'm so geeked...!!!

Very nice, Congrats on your progress!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 2,665
Registered: ‎06-05-2008
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Re: I'm so geeked...!!!


soleilbabe wrote:

So I'm a month in my credit repair and working with an agency to dispute items on my cr. I've read so much about credit in this month and followed the advice the agency gave me and applied for a CC (they told me 2, but I'll get to the 2nd one later). I was approved for a Discover. I check 2 of my scores today and they jumped over 700!!!!


The agency?  

 

 

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

Valued Member
Posts: 49
Registered: ‎11-02-2012
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Re: I'm so geeked...!!!

Sky Blue

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

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Valued Contributor
Posts: 2,665
Registered: ‎06-05-2008
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Re: I'm so geeked...!!!


soleilbabe wrote:

Sky Blue


Was it worth it? 

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

Valued Member
Posts: 49
Registered: ‎11-02-2012
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Re: I'm so geeked...!!!


p- wrote:

soleilbabe wrote:

Sky Blue


Was it worth it? 


Let's see...my scores are up 100 pts in a month and my high limit credit card hasn't even reported yet. I say it was well worth the $49 for the first month plus the $14/mo tri-bureau credit report from freescore. I plan to keep Sky Blue for 2 more months and freescore indefinitely.

 

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
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Re: I'm so geeked...!!!

Congrats on your progress!

New Visitor
Posts: 2
Registered: ‎11-08-2012
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Re: I'm so geeked...!!!

What agency was it you are using? I have been with one for many many months and still no luck.

Valued Member
Posts: 49
Registered: ‎11-02-2012
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Re: I'm so geeked...!!!


lazerman wrote:

What agency was it you are using? I have been with one for many many months and still no luck.


I am using Sky Blue. I even just applied for a chase card...a bit too soon as my Discover hasn't reported and when I called the backdoor number, the analyst said the only thing on my report was my student loans. Meaning the baddies that were disputed were removed. She also said that I should get a CLI once Discover reports.

In my wallet: Discover More $11,300 11/2/12 | Chase Freedom $500 11/8/12

Initial 10/14/12 (Free Score): TU 621 /EQ 621 /EX 618
Current: 1/13/13 (Free Score): TU 708 /EQ 677 /EX 698
Initial EQ FICO: 670 11/2/12
Current EQ FICO: 698 1/13/13

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Posts: 13,897
Registered: ‎04-15-2011
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Re: I'm so geeked...!!!

Congrats!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
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