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Contributor
patternofstars7
Posts: 76
Registered: ‎02-14-2011

40 point jump!

Thanks to everyone on this forum you guys have saved me from my irresponsible ways with credit and helped me jump 40 points today! Two collections just fell off this month and I've seen major jumps from EQ and TU. In another month my last collection should fall off and the only negative item on my report will be a few lates on my car note but have been on time with that for the past 3 years. Now I have some Prime cards in my wallet and in good shape to buy my first house in a couple of years. Just wanted to say this place rocks and could never have done it without your help!

Moderator
Shogun
Posts: 12,860
Registered: ‎04-15-2011

Re: 40 point jump!

Congrats.  Love hearing success stories!!!


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!
Regular Contributor
K_J
Posts: 209
Registered: ‎01-31-2012

Re: 40 point jump!

Way to go, congrats


Starting Score: EQ: 532, EX: 569, TU: 621 (All lender pull 10/15/11)
Current Score: EQ: 660,lender pull 4/13, EX: 671 lender pull 4/13, TU: 691 lender pull (4/13)
Goal Score: 700


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Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Re: 40 point jump!

Awesome!!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: 40 point jump!

Congrats

Contributor
patternofstars7
Posts: 76
Registered: ‎02-14-2011

Re: 40 point jump!

Thanks everyone :smileyhappy:

Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: 40 point jump!

Good job


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Member
madcitymomm
Posts: 11
Registered: ‎09-01-2012

Re: 40 point jump!

I love hearing it. 

 

I checked mine today and it jumped 21 points so I'm doing a happy dance too. I'm new to this, I have a chapter 13 bankruptcy (in my 9th month of the 60 month plan). I'm hoping to start writing some goodwill letters to see if I can repair the damage (I have a huge student loan balance that had defaulted and was in garnishment along with 2 other judgements, multiple other things, my credit report is scary and I avoided it too long).  I'm hoping time will begin to heal.  I was planning to get a secured credit card through my credit union this fall to have an open line of credit (I have none). 

 

I'm thrilled that I have been sticking to a budget, paying everything on time and now have a small rainy day savings.  I'm plugging money away for a downpayment on a house at some point.  I spent way to long swirling around in a world of "unawareness"-not opening mail, leaving everything go, not balancing my checking account to the point of losing it and going bankless for about a year (living on check cashing places and money orders was not fun).


Starting Score: 541
Current Score: 588
Goal Score: 640


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New Contributor
Tempted2Pull
Posts: 67
Registered: ‎05-29-2009

Re: 40 point jump!

Congrats! :smileyhappy:


Starting Score {July 30,2012}: TU 586 EQ 535 EX 583
Current Score: My Fico EQ 635 Walmart TU08 640 MyFico TU04 682 My Fico EX 628 (lender pull 09/12)
Road 2 Recovery: Patience - Persistence - Perseverance

Goal Score: 700+


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Contributor
patternofstars7
Posts: 76
Registered: ‎02-14-2011

Re: 40 point jump!


madcitymomm wrote:

I love hearing it. 

 

I checked mine today and it jumped 21 points so I'm doing a happy dance too. I'm new to this, I have a chapter 13 bankruptcy (in my 9th month of the 60 month plan). I'm hoping to start writing some goodwill letters to see if I can repair the damage (I have a huge student loan balance that had defaulted and was in garnishment along with 2 other judgements, multiple other things, my credit report is scary and I avoided it too long).  I'm hoping time will begin to heal.  I was planning to get a secured credit card through my credit union this fall to have an open line of credit (I have none). 

 

I'm thrilled that I have been sticking to a budget, paying everything on time and now have a small rainy day savings.  I'm plugging money away for a downpayment on a house at some point.  I spent way to long swirling around in a world of "unawareness"-not opening mail, leaving everything go, not balancing my checking account to the point of losing it and going bankless for about a year (living on check cashing places and money orders was not fun).


Thanks! I was totally in the same spot you were about a year ago with scores in the 500's and now I'm hitting scores around 700. Biggest thing is time heals all wounds and best way to tackle the issues head on and I'm sure you'll be where I'm At in no time. 


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