Credit Card Center Advertiser Disclosure

Posts: 12
Registered: ‎05-08-2008
0 Kudos

+76 in one month

Hello all,

I wanted to thank everyone here for the great info! I started my journey in May. I started off by reading the forum and soaking all the info up for one month. Then June 2nd GW's started going out. So far I have had 4 accounts reviewed, 1 of them was removed completely and 3 of them removed lates. I am waiting on my second GW to Wells Fargo Mortgage and one to Chase/Circuit City to come back. The Chase is wrong and I can prove it. They are reporting a 30 day late in 2005 even though we have never used the card.

Right now I have bumped up my wife’s scores from 687 to 763. And mine have gone from 697 to 751. I am hoping to get a little more out of each score and I am not sure how we can do this.

We do not carry debt- we are using a few cards and paying them in full at the end of each month. I will not open any new accounts, but should I contact each card and ask for an increase? Also, I remember a thread regarding which card reports to which CA. I was unable to find the thread again Smiley Sad Does anyone know where I can find this info. Exp is our lowest score and I want to make sure I use a card that reports to them.

Thanks again for everyone’s help! Any tips to raise my scores even more would be greatly appreciated!

New Contributor
Posts: 106
Registered: ‎07-31-2007
0 Kudos

Re: +76 in one month

check out
Some of the information, is accurate, and helpful.
Valued Member
Posts: 33
Registered: ‎07-07-2007
0 Kudos

Re: +76 in one month

MyFico l Equi - 784 l Exp - 752 l Trans - 786

[as of 7/13/2008]
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
0 Kudos

Re: +76 in one month

Wow, congrats!!!!!!!!!!!
Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
New Member
Posts: 1
Registered: ‎03-31-2008
0 Kudos

Re: +76 in one month

Wow, we are in the same boat i am too waiting on GW's for Wells Fargo and Chase/Curcuit City 30 day late from 2005 also.  I also know that Chase is incorrect but I can't prove it. I sent several GW letters to them already but no response.   please provide update if you get them to respond.
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0 Kudos

Re: +76 in one month

751 is a fantastic score! I hope mine will be in that area as my last couple of derogs drop in April.

Unfortunately, rumor has it around the forums that Wells Fargo is notorious for refusing to GW lates. However, if you have a different experience please let us know!
Here we go again...
Established Contributor
Posts: 543
Registered: ‎01-24-2008
0 Kudos

Re: +76 in one month

Well, WOOT WOOT to you, by all means you can ask for CLI's if you don't want to open any new credit.
I will say this though, having a good mix of credit is always good to have on your reports.
Posts: 12
Registered: ‎05-08-2008
0 Kudos

Re: +76 in one month

So far Wells Fargo has been a real pain- but hey it was my mistake so we will see. The lates are 6.5 years old so if they stay on, they stay on. I contacted Chase/Circuit City lastnight for a wrong 30 day (that I can prove was wrong) and they said anything over a year they can't help me. They said to contact the CRA's and they will remove it. Also, lastnight I increased my credit line with all cards that would not do a hard pull. Ended up increasing my available credit by $7,000.
So far I have been very lucky as I started out with 8 baddies and now I only have 2. One of those 2 is the Chase/Circuit City that I will get removed by the end of July. I have to say that the whole process, while long, has been pretty easy. If your accounts are paid off, compaines are willing to work with you.
Thanks again to everyone here for the great advise!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.