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+36 points!! Made my day!

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Anonymous
Not applicable

+36 points!! Made my day!

I woke up this morning to an alert on my Experian report .... +36 points!!!  Soooo excited!!

 

I started my journey about 6 weeks ago now and have gotten about two items removed from my report (working on an agreement of 4 others) but had no revolving trade lines except my auto loan and a student loan.  No lates on the auto loan but 19 (YIKES) lates on the student loan from a few years ago (working to goodwill now that its paid off).  Really the only thing I can contribute the score bump too are two of my new secured cards reporting!  I have two others that haven't reported yet.  I'm officially in the orange!!  YAY!!

 

  • I didn't get a score change alert when the two old collections came off only a few days after the new cards reported!  My utilization is reporting at 9%, just like I learned here!!

 

 

Message 1 of 10
9 REPLIES 9
Unfaithful
Contributor

Re: +36 points!! Made my day!

Congrats!
Message 2 of 10
alextercero
Super Contributor

Re: +36 points!! Made my day!

Congrats

Current Credit Cards


Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)


Credit Age:

Inquiries:

Message 3 of 10
crrredit
Established Contributor

Re: +36 points!! Made my day!

Congrats! If your total util is 9%, get it to one card reporting 9% or less and the other reporting $0. You'll pick up some more points that way.

Message 4 of 10
Anonymous
Not applicable

Re: +36 points!! Made my day!

Wow.. Congrats and enjoy it.

Message 5 of 10
Anonymous
Not applicable

Re: +36 points!! Made my day!

Awesome!

Message 6 of 10
Anonymous
Not applicable

Re: +36 points!! Made my day!

congrats!

Message 7 of 10
alextercero
Super Contributor

Re: +36 points!! Made my day!

Congrats

Current Credit Cards


Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)


Credit Age:

Inquiries:

Message 8 of 10
Anonymous
Not applicable

Re: +36 points!! Made my day!

Congrats! Way to go! Keep up the hard work, keep that utilization low

Message 9 of 10
EW800
Valued Contributor

Re: +36 points!! Made my day!

Congratulations!   Smiley Happy

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 10 of 10
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