I was happy to get a Score Watch alert this evening saying that my Equifax score had jumped from 704 to 722.
My rehabbed student loan lates finally aged off my two Nelnet accounts. Sallie Mae shouldn't be far behind, so that will be a little bump, too!
Very nice. Congrats!
Since I posted this nearly six months ago, I had another score jump which took me to right around 750, give or take a few points depending on what the alignment of the planets was or something. And there it's stayed for several months, moving up and down by one or two points occasionally.
So when I got a ScoreWatch email last night, I really didn't think much of it. When I finally got around to checking it out, I found out my score had jumped again, this time to 774! I am still stunned.
Excuse my boldness, but here are a couple of screen grabs. "Why my my, Mr. FICO! I do believe you're flirting with me! I've NEVAH heard you whisper such sweet things before!" I am such a dork.
Thank you! Thank you! Yes, it feels AMAZING! I've come so very, very far since fall of 2010, which is when I decided I needed to face the pain and fear, take charge of my finances and learn to be PROACTIVE and not REACTIVE about my credit.
I am dying to know how my report has changed to account for such a jump: I am at the tail end of some horrid 120+ day lates falling off one rehabilitated student loan account. Last I looked (which was just about a week ago), I was still showing two 120+ that were consecutive. I had anticipated seeing the last of those two dropping off by this fall.
I would love to look at my report and see what the deal is, but I'm a real cheapskate these days. It's not worth the money to find out. Probably. LOL!