Reply
Moderator
Posts: 13,869
Registered: ‎04-15-2011
0

Re: 2012 Results and 2013 Goals

Congrats jutz!  You've done a lot of work!



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+
Take the myFICO Fitness Challenge

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!
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: 2012 Results and 2013 Goals

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  Can't believe I spent 16 bucks on an outdated report a week ago.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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Moderator
Posts: 13,869
Registered: ‎04-15-2011
0

Re: 2012 Results and 2013 Goals

Trust your feelings.  Wait till after the new year and get a new report.



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+
Take the myFICO Fitness Challenge

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!
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: 2012 Results and 2013 Goals

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: 2012 Results and 2013 Goals

Someone bought me an early xmas present and paid for the refresh of my TU :smileyhappy:

 

TU98 up to 676!

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: 2012 Results and 2013 Goals

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

Re: 2012 Results and 2013 Goals

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!



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: 2012 Results and 2013 Goals

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: 2012 Results and 2013 Goals

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Moderator
Posts: 13,869
Registered: ‎04-15-2011
0

Re: 2012 Results and 2013 Goals

Happy Dance!!!!!!



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+
Take the myFICO Fitness Challenge

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!
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.