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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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5 months into rebuild - status update

6 months go.JPG

 

EQ SW tracker chart above.  This past 30 days I had one 90 day late removed (GW to SM for a July 2011 late) and had one 60 day late removed from Cap1 auto.  Most recently, I regained 20 points back after paying Cap1 MC from 90% UTIL to ZERO.  Back in late Sept I lost 30 points due to this and Walmart midcycle reporting. 

 

Walmart gets updated on 2nd so should see gains from that UTIL being cut from 50% back down to ZERO.  Also, in late Sept I had my 5 new accounts report (2 backdated AMEX to 1993, 2 chase cards and Walmart Discover). Also, Nov will make my 90 day later 5 years old (hoping for a score bumb).  In December my WF and Cap1 accounts will be 6 months old and my 30 day late on different SM account will be 2 years old.

 

No lates since March and 7 new CC's since then.  Once my updated UTIL reports I'll join NFCU then will be app free until Refi in June.  I expect all my scores to be over 700 by then.  Right now my only score under 700 is EQ.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,500
Registered: ‎08-30-2012
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Re: 5 months into rebuild - status update

Congrats sir, that is very nice progress.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|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 $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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My Journey
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: 5 months into rebuild - status update

Very nice, shows how important util really is. Congrats on the progress!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
New Contributor
Posts: 61
Registered: ‎09-05-2012
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Re: 5 months into rebuild - status update

That's great and so encouraging, awesome!!!!!!!  Did you see the 20 pt increase for util. immediately (within a month of paying down Cap One balance)?  Just curious.

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: 5 months into rebuild - status update

[ Edited ]

Cap1 bill cut on 24th, I had paid on 22nd and I got SW update on 27th.  (I had to wait 30 days for new bill to cut but once bill cut it was within 3 days or so that I saw bump, took a day or so for SW to alert me to change.  EX report had changed within 1 day of bill being cut (according to USAA monitoring)



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Moderator
Posts: 12,952
Registered: ‎04-15-2011
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Re: 5 months into rebuild - status update

Congrats!  I've been following you for some time now.  You're doing great!


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 Contributor
Posts: 1,896
Registered: ‎03-30-2012
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Re: 5 months into rebuild - status update

Wow Duncan...bravo!

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9550
New Contributor
Posts: 64
Registered: ‎10-20-2012
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Re: 5 months into rebuild - status update

That is impressive! Congrats! And in just 5 months? Gives me hope for my flatlined score.


Starting Score: 523
Current Score: EQ 608 EXP 648 TU 565
Goal Score: 800


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