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22 pt Increase!!!

22 pt Increase!!!

Just wanted to share, I've done some disputes and won so my score went up 22 pts in less than 1 month. 

Still in the toilet though, lost my job in 2008 and all of my accounts went into chargeoff status...

 

Just paid off the balance on 3 of my small CC's and had a CLI with Fingerhut (new limit $900) so my score should increase a little once that updates...

 

 

10/18 EQ - 492 (Real Fico) 

11/8 EQ - 514 (Real Fico)

 

Starting Score 2/15 (bk discharge) 580s (all 3)
Current Score 11/15 - 660s (all 3)
15 REPLIES
Regular Contributor

Re: 22 pt Increase!!!

Congratulations! 

Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Valued Contributor

Re: 22 pt Increase!!!

Give it 6 months on this site and your will be over 600 mark it down..... when you are trying to pay off balances dont settle try a PFD (pay for deletion) dont pay anything until you it in writing first, and lastly try to open a secured card to build history with your fingerhut.......no matter what your see here cap1 is the best option for rebuilders...STAY AWAY from first premier, matrix discover, credit one, and any other low life predatory lender....

ccpics2.jpg
Valued Contributor

Re: 22 pt Increase!!!

Welcome and Congrats on your progress so far!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15

Re: 22 pt Increase!!!

Thanks everyone, score went up again after a reclassification of a few disputed accounts. Now 525.

33 pts in less than 4 weeks!!!

Starting Score 2/15 (bk discharge) 580s (all 3)
Current Score 11/15 - 660s (all 3)
Valued Contributor

Re: 22 pt Increase!!!

You'll be 700 by this time next year.  Just keep the baddies away and util% around 10

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Regular Contributor

Re: 22 pt Increase!!!

Congratulations!!! Keep up the good work!

Established Contributor

Re: 22 pt Increase!!!

Congrats

Re: 22 pt Increase!!!

I won a few more disputes, score is now 560!!!, thats 68 pts in about 5 weeks..... About to pay a few of the open collections off over the next 3 months, that should bump me into the 600's.

Starting Score 2/15 (bk discharge) 580s (all 3)
Current Score 11/15 - 660s (all 3)
Regular Contributor

Re: 22 pt Increase!!!

Good job!!

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy