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

Valued Member

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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Message 1 of 9
8 REPLIES
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 9
Valued Member

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

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

Message 3 of 9
Highlighted
Valued Member

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

What a great feeling, CONGRATS!!!!

Message 4 of 9
Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Message 5 of 9
Regular Contributor

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

Message 6 of 9
Valued Contributor

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

Congrats!!!
Scores: about 700 across the board
Total CL: $275k
Message 7 of 9
Established Contributor

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: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


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Message 8 of 9
Established Contributor

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

Congrats

Message 9 of 9