Toward the beginning of September I got interested in possibly obtaining a HELOC. I talked to a lender who pulled my credit and I was surprised to find out my Trans Union score was 648. The guy from the lender dropped the ball and never called me back, meanwhile I started becoming interested in improving my scores.
On September 6th my scores were EQ 634, TU 648, and EX Vantagescore (FAKO) was 713.
I had a couple of baddies deleted through disputes, sent out some goodwill letters (which haven't worked yet, time for round 2), requested a BoA card I closed be reopened, and most importantly apped for a couple of new Credit cards.
With the new cards and by making my normal payments I got my Utilization down from 50% to about 9%.
I pulled all three FICOs today and my TU is 698, EQ is 686, and EX is 649.
I'm quite happy with my progress so far, although I was disappointed with the EX score.
I've filed a Motion with the County Court to have a small judgment vacated. It is showing on both TU and EX. I'm hopeful that if the judgment is vacated I'll see my first >700 on TU and a fair increase on EX.
Thanks a million for all the help and advice. I'm going to start seriously shopping for a HELOC tomorrow.
