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Established Member
Richard9091
Posts: 20
Registered: ‎12-13-2007

equifax up 134 points

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‎02-13-2008 07:20 AM

I just wanted to write a thank you note to this forum.  I didn't realize I was basically credit ignorant.
I had pretty well paid my bills on time for years, but I had high utilization.  Based on info from this forum I learned this was one of the worst credit management mistakes. I paid off most of my credit cards.  I also had an incorrect collection being reported that was removed.  My equifax went from 650 top 784 at one whack..  Thanks again.   I just hope the other agencies follow suite.
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Super Contributor
MidnightVoice
Posts: 8,091
Registered: ‎03-25-2007

Re: equifax up 134 points

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‎02-13-2008 07:21 AM


Richard9091 wrote:
 I didn't realize I was basically credit ignorant.  I had pretty well paid my bills on time for years, but I had high utilization. 

You are not alone.  That EXACTLY desribes my situation a year ago, even though I PIFFED.
 
Then I learned to play the game......
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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Super Contributor
MidnightVoice
Posts: 8,091
Registered: ‎03-25-2007

PS

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‎02-13-2008 07:22 AM

Sorry - I forgot - CONGRATS.
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
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Established Member
cujo31
Posts: 51
Registered: ‎01-18-2008

Re: equifax up 134 points

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‎02-13-2008 07:23 AM

WOW! Very nice Richard, congrats on that. I have also learned so much from this board. Now I just need to wait for everything to go up. :smileyhappy:

~Cujo
~Cujo
TU - 673 --> EX - 632 --> EQ - 626 --> 2-2008
TU - 425 --> EX - 405 --> EQ - 411 --> 10-2006
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Frequent Contributor
thotgal320
Posts: 295
Registered: ‎08-14-2007

Re: equifax up 134 points

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‎02-13-2008 07:33 AM

Nice job Richard. Congrats and your right these forums are wonderful.
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New Contributor
StartingFresh
Posts: 58
Registered: ‎07-08-2007

Re: equifax up 134 points

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‎02-13-2008 07:52 AM

Fantastic. Congratulations!
The price of freedom is eternal vigilance.
--Thomas Jefferson.
They may not have had CRAs in his time, but the man was wise.
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Established Contributor
glamchick
Posts: 505
Registered: ‎01-09-2008

Re: equifax up 134 points

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‎02-13-2008 08:19 AM

Yay.... I hope to be as lucky as you some day!
Starting Score: 501
Current Score: 666
Goal Score: 700

Take the FICO Fitness Challenge
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Frequent Contributor
Myhearts
Posts: 276
Registered: ‎07-18-2007

Re: equifax up 134 points

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‎02-13-2008 08:34 AM

I want your scores when I grow up...  Congrats!!!
 
Hearts
I can and will be a part of the 700 club this year, because I can do all things through Christ.
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Valued Contributor
Schoolbuskid
Posts: 1,897
Registered: ‎10-23-2007

Re: equifax up 134 points

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‎02-13-2008 08:37 AM

WWWWWWWWOOOOOOOOOOWWWWWWWW!!!!!!!!!! Im so jealous right now!
 
Nice Job Man!
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Senior Contributor
Sylviatob
Posts: 4,596
Registered: ‎09-14-2007

Re: equifax up 134 points

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‎02-13-2008 09:04 AM

Wonderful work Richard! Congratulations.

Yes knowledge is power. If this forum/website were required reading in a high school or even college level economics course, I'd wager that our economy would not be in the trouble we find ourselves in now.
"Never ever, ever be late. Never" (FUTR)
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