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Valued Member
soleilbabe
Posts: 49
Registered: ‎11-02-2012

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
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: I'm so geeked...!!!

Very nice, Congrats on your progress!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Valued Contributor
p-
Posts: 2,539
Registered: ‎06-05-2008

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?  

 

 

  2-13-14: FICO EXP: 779 - EQU: 742 - TRAN: 765 - AVG: 762 - +212 points from JUN 2008 - MY CREDIT JOURNAL

Valued Member
soleilbabe
Posts: 49
Registered: ‎11-02-2012

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

Valued Contributor
p-
Posts: 2,539
Registered: ‎06-05-2008

Re: I'm so geeked...!!!


soleilbabe wrote:

Sky Blue


Was it worth it? 

  2-13-14: FICO EXP: 779 - EQU: 742 - TRAN: 765 - AVG: 762 - +212 points from JUN 2008 - MY CREDIT JOURNAL

Valued Member
soleilbabe
Posts: 49
Registered: ‎11-02-2012

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
wallyworld123
Posts: 455
Registered: ‎01-04-2012

Re: I'm so geeked...!!!

Congrats on your progress!

New Visitor
lazerman
Posts: 2
Registered: ‎11-08-2012

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
soleilbabe
Posts: 49
Registered: ‎11-02-2012

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

Moderator
Shogun
Posts: 12,874
Registered: ‎04-15-2011

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+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
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