12-13-2012 11:21 AM
Congrats jutz! You've done a lot of work!
Starting Score: 50412-13-2012 03:41 PM
Transunion finally dropped that last CA. Can't believe I spent 16 bucks on an outdated report a week ago. Convince me it's not worth the money yet!!
| Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013 | 700 Club | AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800 |
12-13-2012 07:27 PM
Trust your feelings. Wait till after the new year and get a new report.
Starting Score: 50412-13-2012 09:07 PM
I'm not applying for anything between now and then, and I have a 30 day late aging to a year then, so that would be the smart thing to do. We'll see how long it lasts. This is more difficult than gardening for me.
| Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013 | 700 Club | AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800 |
12-14-2012 10:33 AM
Someone bought me an early xmas present and paid for the refresh of my TU ![]()
TU98 up to 676!
| Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013 | 700 Club | AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800 |
12-16-2012 07:12 PM
Sigh...
Just had to edit a bit of the progress. In my excitement I didn't fully check into one of the derogs I thought was gone. My 60 and 90 day lates were from 24+ months ago, in fact the 60 hit 3 years this month, and the 90 will next month. Because of this, the payment history on MyFICO, as well as EIDT didn't go back far enough and I didn't notice them. Sucks, but whatever. I'm still happy with the late year progress I've made. Now though I have no idea how I'm going to get rid of those, besides waiting another 4 years.
Still happy to see 676 on TU.
| Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013 | 700 Club | AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800 |
12-16-2012 07:35 PM
Great work Jutz!! You are on your way! It's so important to set specific goals and then measure yourself and adjust as needed. You are doing fabulous!
12-17-2012 09:15 AM
Submitted my BBB complaint for Verizon, we'll see how far that goes. Should be hearing initial contact in the next day or two.
Also got a call back regarding my Executive Office Cap1 CLI request. I've officially requested 2k, I don't think this is unreasonable for an amount, however I could understand if I was rejected based on a 30 day late with another company in the last 12 months. She'll be getting back to me in about 72 hours.
| Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013 | 700 Club | AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800 |
12-17-2012 12:04 PM
Nailed it!
Capital One just upped my CL to $2,000. The highest CL I've ever had, lol. They are also adding 1% cash back, plus 50% annual reward (Not sure how that works, can anyone answer?)
| Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013 | 700 Club | AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800 |
12-17-2012 01:17 PM
Happy Dance!!!!!!
Starting Score: 504
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