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Valued Member
favored12
Posts: 33
Registered: ‎08-29-2012
0

49 Point Increase!!! I'll Take It!!!

Wow!! So just from decreasing my utilization from 51% to 15% my transunion fico went from 582 to 631!!!! Knowledge is power!!! I have a long way to go but it's small success like this that gives me motivation to keep going! My finance company had been reporting a 30day late status in error which they fixed so that might have helped the score boost as well. Now...if I can just get Equifax to budge I'll be on a roll!!

Starting Score: EQ-485 TU-558 EX-576 AUG2012
Current Score: EQ-533 TU-621 EX-644 NOV2012
Goal Score: 700


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

Re: 49 Point Increase!!! I'll Take It!!!

Nice job,  Congrats!


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!
Valued Member
CadillacMack
Posts: 26
Registered: ‎09-17-2012
0

Re: 49 Point Increase!!! I'll Take It!!!

Thats great!!!!!!!!!! Congratz to you!!! Keep GOING!!!!!!!!!!!!!

Valued Member
irishpassion9702
Posts: 34
Registered: ‎09-20-2012
0

Re: 49 Point Increase!!! I'll Take It!!!

What a great feeling, CONGRATS!!!!

Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: 49 Point Increase!!! I'll Take It!!!

Very nice jump! Congrats! I am also bringing down my util. Can't wait to see the impact.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Regular Contributor
princechristian
Posts: 203
Registered: ‎07-20-2012
0

Re: 49 Point Increase!!! I'll Take It!!!

Good job!!

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

Valued Contributor
madmann26
Posts: 1,453
Registered: ‎08-30-2012
0

Re: 49 Point Increase!!! I'll Take It!!!

Congrats!!!

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 690|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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My Journey
Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
0

Re: 49 Point Increase!!! I'll Take It!!!

I want to get my util down from 108% and see what it does for me. I could only hope it was close to 50 points or more, that would be excellent. Problem is, some of my utility is from charged off accounts that I may just end up paying and GW'ing til I'm blue in the face.



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: 49 Point Increase!!! I'll Take It!!!

Congrats


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