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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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1 year since last late !!! hurray for me

My last late on my credit report is now a year old.  While I have made great progress in my rebuild I still have 3 bad accounts with lates that will be on reports for a while longer.  At least I can control my future actions.  Last March, while traveling for work, I was declined on an AMEX Delta card.  When I got back in town I decided to rebuild my credit.  I started my rebuild in late May/early June with scores around 550.

 

Today, my lowest score is around 680 and my other scores are around 720.  I went from zero credit cards to 10 cards.  To date, I have the following cards (in the order in which I got them):  (1) Cap1 Secured 2k CL, (2) WF Secured 1k CL, (3) Zync NPSL, (4) AMEX Delta 6k CL, (5) Walmart Discover 5.4k CL,  (6) Chase Amazon 2.3k CL, (7) Chase Freedom 1.5k CL, (8) NFCU Flagship 25k CL, (9) AMEX BCP 8.4k CL; and (10) Discover IT 6k CL.

 

My plans going forward are to reach goal of 750 all scores, refi house, get CSP card and a couple other good cards and close my secured cards (no longer need them).  Thanks for everyone help.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012
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Re: 1 year since last late !!! hurray for me

^5 Congrats!!!!!

Our story lines are very similar!!! 

*8/10/13
Moderator
Posts: 13,686
Registered: ‎04-15-2011
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Re: 1 year since last late !!! hurray for me

Awesome job Duncan!



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
EQ:809 TU 777 EX 790 Now it's just garden time!
New Contributor
Posts: 60
Registered: ‎08-04-2011
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Re: 1 year since last late !!! hurray for me

Congratulations! It feels so good to see the progress, doesn't it?


Starting Score: 608 EQ (FICO) 8/11/11
Current Score: 713 EQ (FICO) 2/14/13
Goal Score: 750


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Regular Contributor
Posts: 147
Registered: ‎01-06-2009
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Re: 1 year since last late !!! hurray for me

did your score go up any? My year with no lates is coming up soon and I was curious if the scores will rise any

 

Lender pulled fico scores 4-11-2013
Equifax 670, Exp 673, TU 672
Contributor
Posts: 100
Registered: ‎12-10-2012
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Re: 1 year since last late !!! hurray for me


wildbillcody wrote:

did your score go up any? My year with no lates is coming up soon and I was curious if the scores will rise any

 


Today also marked my one year with no late. Go us!!!!

My CK FAKO score went up 12 points... i can only think that hitting the one year mark was the reason. I had nothing else happen this week.

Frequent Contributor
Posts: 360
Registered: ‎02-20-2008
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Re: 1 year since last late !!! hurray for me

congrats!!!  Keep on track


Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: 1 year since last late !!! hurray for me

Havent gotten score watch alert.  As for score change it will be difficult to tell.  Today I had my BCP account hit all three CRA.  I got the card back on 1/2/13 and took 2 statements to start reporting.  The card is backdated to 1993 with 8.4k CL.  Im sure my score has gone up with assists to UTIL, AAoA and maybe 1 year no lates but with all them coming together it will be impossible to attribute gains to any one of the three possible factors.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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New Contributor
Posts: 51
Registered: ‎02-15-2013
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Re: 1 year since last late !!! hurray for me

that's a great milestone to reach, congrats! 


Starting Score: EQ 539
Current Score: EQ 648, TU 617, EXP 623
Goal Score: 700 by 2/2014


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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: 1 year since last late !!! hurray for me

Got SW alert this morning but it wasn't for new account it was for gain above target score. EQ went up 16 pts to 672. I've gained just about all my points back from UTIL hits and current UTIL is around 25%. So the good news is once is get UTIL back where it should be then my score should be above 700.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
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