Rebuilding Your Credit

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Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
0

700 Club!!! TU 702

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‎09-15-2012 02:26 PM

Got my letter from Amex re my Delta APR and it had my TU score listed (a little pissed it didn't have EX score but I'll call the CB Team at Amex on Monday and see if I can get). I was approved for 2k limit at 17.24% (their middle tier APR interest rate). My TU score listed 702!!!!! Hurray. The five negatives I have are: 1. Serious delinquency, 2. Proportion of loan balances to loan amounts too high (student loan), 3. Time since delinquency too recent (last late in March) 4. Too few accounts currently paid as agreed (don't get this one as every account on my CR is paid as agreed; and 5. Too many inquiries (had 2 before this pull).


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
Take the FICO Fitness Challenge
Message 1 of 8 (390 Views)
 
New Contributor
mrordinary
Posts: 72
Registered: ‎03-11-2012
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Re: 700 Club!!! TU 702

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‎09-15-2012 04:21 PM

Woooo... Bet it feels good. I imagine that I'll hold my head a little higher when I enter the 700 club!
Starting Score: 620
Current Score: 649EQ/640EX/642TU
Goal Score: 700

Take the FICO Fitness Challenge
Message 2 of 8 (365 Views)
 
Valued Member
DrivenDoctoress
Posts: 45
Registered: ‎07-24-2012
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Re: 700 Club!!! TU 702

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‎09-15-2012 05:34 PM

Congratulations! I bet you feel fantastic! Can't wait to join the club with you. :-)

Starting Scores July 2012: EQ FICO 645, TU FICO 636, EXP (CCT) 638
Feb 2015 Scores: EQ FICO 758, TU FICO 753, EX 749
Message 3 of 8 (346 Views)
 
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Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: 700 Club!!! TU 702

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‎09-15-2012 05:49 PM

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+
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!
Message 4 of 8 (342 Views)
 
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LIGHTNIN
Posts: 4,189
Registered: ‎03-24-2008
0

Re: 700 Club!!! TU 702

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‎09-16-2012 06:04 AM

Let's do the 700 Club Dance dancing 2.gif  Congrats to YOU!!!

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Message 5 of 8 (299 Views)
 
Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
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Re: 700 Club!!! TU 702

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‎09-16-2012 08:05 AM

Thanks. I'm sure I'll not be in 700 for a month or so after new cards hit :smileywink: just went 5 for 5 with Chase Freedom approval.


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
Take the FICO Fitness Challenge
Message 6 of 8 (288 Views)
 
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
0

Re: 700 Club!!! TU 702

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‎09-16-2012 09:10 AM

congrats...  nice job

Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750
WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 7 of 8 (270 Views)
 
Regular Contributor
proudnavymom
Posts: 240
Registered: ‎11-29-2008
0

Re: 700 Club!!! TU 702

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‎09-16-2012 09:57 AM

Congratulations!!

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 5/31/2014 FICO 671 EQ 7/5/14 FICO 667 EX 5/31/2014 658 FICO
Goal Scores 700 across the board
Message 8 of 8 (255 Views)
 

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