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700 finally!

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randaljon
Regular Contributor

700 finally!

Finally hit 713 on TU Fico. If only Equifax would fix my split file I could raise that 685 over 700.

 


Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720


Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200
Message 1 of 12
11 REPLIES 11
randaljon
Regular Contributor

Re: 700 finally!

Does Experian usually lag behind the other 2 with corrections/deletions after you fix with OCs?


Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720


Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200
Message 2 of 12
Booner72
Senior Contributor

Re: 700 finally!

I'm so jealous.  Congrats!

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
Message 3 of 12
Anonymous
Not applicable

Re: 700 finally!


@randaljon wrote:

Does Experian usually lag behind the other 2 with corrections/deletions after you fix with OCs?



Actually, the consensus around here is that EX is usually the FIRST to update with TU being the slowest. 

Message 4 of 12
randaljon
Regular Contributor

Re: 700 finally!

Well my birthday goal was 720. I came up a little short. I am 713 on TU, 703 on EQ and 710 EXP(Quizzle FAKO)

 

Good news is I have 2 missing positve accounts with the always troublesome EQ report  that should come back and 4 inquiries will drop off TU soon. I should hit 720 by end of Summer.

 

I started at 564 and 538 back in January of 2011. So I hope this gives the newbies some inspiration...


Starting Scores(Jan/2011): EQ 564 TU 538 EXP 576
Current Score: EQ 692 TU 728 EXP 710 (Quizzle FAKO)Goal Score: 720


Wallet: Grow Visa 500, Capital One MC 2000, Capital One MC 1250, Paypal MC 3000, Jared 10500, Kay 2000, Walmart 2050, TJX Rewards 1200
Message 5 of 12
LIGHTNIN
Senior Contributor

Re: 700 finally!

Congrats to YOU!!   I know you are so Happy, to join the 700 club!!

FICO's May 2015 EQ764 ~~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 6 of 12
Anonymous
Not applicable

Re: 700 finally!

What did you do that increased your score the most.  I need 50 points by October so that I can purchase a home.

Message 7 of 12
rebuild01
New Member

Re: 700 finally!

congrats..i need to get to 620 to qaulified to buy a house im at 609 how did you get your score up so quick any ideas.

Message 8 of 12
Adalen
Frequent Contributor

Re: 700 finally!

Congratulations!  It definitely gives me hope. Smiley Happy


Message 9 of 12
PapasWifey
Regular Contributor

Re: 700 finally!

Congratulations randaljon!!! Good luck on getting your EQ fixed soon.  When my split file got merged, my score plummeted 77 points.  Thank goodness yours should go the opposite direction!


Starting Score: 576 EQ 1-12-13
Current Score: 588 EQ 2-3-13
Goal Score: 650


Take the myFICO Fitness Challenge
Message 10 of 12
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