Moved up 41 points!!!

newmom24 · ‎01-01-2017

I enrolled in scorewatch on 12/28 and had a 514 score. I got an alert this morning that my score is now 555! I've paid my revolving debt down to 9%, two old tax liens, and got 3 collection accounts deleted. Thanks to everyone on the forum! I've been reading for quite sometime and finally took action.

Starting Score: 474
Current Score: 583
Goal Score: 650

Take the myFICO Fitness Challenge

Aduke1122 · ‎01-01-2017

Congrats that's awesome OP , may wanna have this post moved to a diff category, this is for approvals and you may not get the response or replies that you are looking for ! Nevertheless CONGRATS that's awesome , just keep working hard at it and you will get there !

Random_idiot · ‎01-01-2017

Congrats OP, well done. Starting 2017 with a BANG!

Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq

Revelate · ‎01-01-2017

@newmom24 wrote:
I enrolled in scorewatch on 12/28 and had a 514 score. I got an alert this morning that my score is now 555! I've paid my revolving debt down to 9%, two old tax liens, and got 3 collection accounts deleted. Thanks to everyone on the forum! I've been reading for quite sometime and finally took action.

That's EXCELLENT! You go, what a great way to kick off 2017!

Anonymous · ‎01-01-2017

Congratulations, newmom24! You've done some serious work, and have something to show for it! Great increases to your scores, and they will only continue to go up!

Anonymous · ‎01-01-2017

Congrats. That is awesome.

CYBERSAM · ‎01-01-2017

@newmom24 wrote:
I enrolled in scorewatch on 12/28 and had a 514 score. I got an alert this morning that my score is now 555! I've paid my revolving debt down to 9%, two old tax liens, and got 3 collection accounts deleted. Thanks to everyone on the forum! I've been reading for quite sometime and finally took action.

Awesome job! 👍

I remember couple of years ago when my score was 505 with 0 credit!

909 · ‎01-02-2017

Well done!!!!!!

Fico 8 Scores
7/2020: EQ - 842; TU - 832; EX - 848
10/2017: EQ - 823; TU - 835; EX - 824
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 670
5/2014: EQ - 653
11/2013: EQ - 645
05/2013: EQ - 656
11/2012: EQ - 646

Eight CCs ($179,500 CL, 0%-1% UTIL)
AoOA = 18.6 years, AAoA = 60 mos., AoYA = 18 mos.
One mortgage, one HELOC, no car loans.
Derogs from 2009 and 2010 now gone after 7 years. I started paying attention to credit scores in about 2014. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011