82 point increase! I finally made it!

Anonymous · ‎07-14-2008

Hello to all! I have been visiting this board for awhile but this is my very first post. I just checked my EX report and noticed that my discharged Chap 13 bk dropped off two months early (supposed to come off in Sept) and my fico score jumped from 678 to 760!! and I have about 22% utl right now so there is still a little room for improvement. I am very happy that the years of hard work and learning from my past mistakes are finally paying off. EQ and TU are still reporting the bk but hopefully they will have about the same amount of increase one it drops off. EQ score is 661 and TU is 610 (two bad accounts not mine and I just disputed them two days ago). This board is priceless!! Thanks to everyone for giving such great advise.

Anonymous · ‎07-14-2008

Congrats. That's an awesome jump!

smoothjk · ‎07-14-2008

Wow great news, and a great score. I bet you're looking forward to the other guys dropping the BK, too

FICO (06/17/08): TU 691 - EQ 642 - EX 638 - Util 64%
FICO (07/23/08): TU 698 - EQ 653 - EX 644 - Util 50%
FICO (02/04/09): TU 694 - EQ 668 - EX 654 - Util 43%
FICO (05/18/09): TU 687 - EQ 675 - EX n/a - Util 39%
FICO (03/09/10): TU 666 - EQ: 691 - EX 644 - Util 54%
IDGuard (2/8/12): TU 690 - EQ: 710 - EX 710 - Util 72%
FICO (03/13/12): EQ: 696 (87% revolving to limits)

HornsFan · ‎07-14-2008

right there with ya man, feels **bleep** good doesn't it! just got appd for an amex lol never in my life would i have thought that would happen

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

[as of 7/13/2008]

fused · ‎07-14-2008

Huzzah!!!!!!!!!!