As it is with scores, they go up and down.
Finally, since I joined MyFico all three scores have hit 700 or more.
When I first started with MyFico, my EQ score was 696. That was in March of 2012. Then an old State Tax Lien showed up on my report and I lost 45 points!
I have been rebuilding ever since. Today, even though the lien is still on my report I have finally broke 700!
I have a CLI to report, a Midland Collect soon to drop and a new CL with Chase to report as well as 4 HP's to age off by the end of the year, so things are looking up.
If you are interested: I have the State Tax Lien, a 90 day late on my student loans that is 2 1/2 years old and the Midland Collection for an old T-Mobile account. My AAoA is about 7 years with all of my new cards. My HP's are listed below in my siggy and am at approx 15% util. So there is room to improve there.
I just wanted to share this not only because I am excited but to encourage others that it can be done.
Time, patience and good advice from the people here at MyFico really help make it happen.
CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
