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Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

47 Point jump on Equifax.... Oh yeah, happy dance!

Logged on and pulled my Equifax report and *Bam* a 47 point increase from 680 to 727.  This is in the middle of underwriting for my new mortgage!   Think it's time to happy dance!   Thanks for all those who have helped me and good luck to the rest of you!


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!
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
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Re: 47 Point jump on Equifax.... Oh yeah, happy dance!

Congrats! Do you know what changed on your EQ report?

Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: 47 Point jump on Equifax.... Oh yeah, happy dance!

A horrible Chase acct. fell off. My last real baddie.

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!
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
0

Re: 47 Point jump on Equifax.... Oh yeah, happy dance!

A CO? If so, when did it CO?

Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Regular Contributor
Posts: 148
Registered: ‎07-09-2011
0

Re: 47 Point jump on Equifax.... Oh yeah, happy dance!

Congratulations!!


Starting Score: 547
Current Score: 632 EX, 592 TU, 580 EQ (Lender Pulled 9/8/11)
Goal Score: 620


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Senior Contributor
Posts: 3,889
Registered: ‎05-24-2011
0

Re: 47 Point jump on Equifax.... Oh yeah, happy dance!

WOW.  THAT IS A HUGE JUMP!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
0

Re: 47 Point jump on Equifax.... Oh yeah, happy dance!

Nice !!!!!!!!!!!!!!!!

 

I'm so hopeful when a baddie falls off. I have a collection due to fall off Dec 2012 (many unsuccessful GW attempts made). Hopfully I get a nice bump like you :smileyhappy:)




Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: 47 Point jump on Equifax.... Oh yeah, happy dance!

Wasn't scheduled to fall off, guess my GW letter worked cause it just disappeared!   Not looking a gift horse in the mouth, just gonna roll with it.


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!
Regular Contributor
Posts: 148
Registered: ‎07-09-2011
0

Re: 47 Point jump on Equifax.... Oh yeah, happy dance!

What contact info did you use for your GW?  How recent was this baddie?


Starting Score: 547
Current Score: 632 EX, 592 TU, 580 EQ (Lender Pulled 9/8/11)
Goal Score: 620


Take the FICO Fitness Challenge

Frequent Contributor
Posts: 280
Registered: ‎04-16-2011
0

Re: 47 Point jump on Equifax.... Oh yeah, happy dance!

Congrats! Now I gotta ask. To whom and where did you send your GW letters? Send PM, please. I have two that need to be gone. One mysteriously disappeared on TU without any action on my part.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!

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