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Established Member
z28pishi
Posts: 29
Registered: ‎06-06-2010
0

AMAZING PROGRESS in 1 YEAR!!

Hey folks:

 

I have not written in a while.  I have some encouraging information for everyone attempting to get their credit back on track.  Exactly one year ago, my credit scores were in the low 500's.

 

Since discovering myfico, and the desire to finally own a home, I dedicated all my spare time in reparing my credit.  SInce then, this is what I have accomplished....

 

1. Purchased $140,000 home

 

2. Got first $500.00  Cap 1 credit card (only had one card before from First Premier which went into collections)

 

3. Got second $100.00 limit Besby Buy HSBC card

 

4. Got Macys car at $300.00 limit

 

5. Got JcPenney card at $100.00 limit

 

JOINED LOCAL GOVERNMENT CREDIT UNION

 

6. Refinanaced car loan from 21.99 % to 4.5%

 

7.  Approved for $5,000 unsecured loan (for engagement ring..almost paid off)

 

8.  Approved today for credit card with $3,000 limit!!!

 

Except for my mortgage, car loan, and unscured loan... I have no debt..

 

I OWE EVERYTHING TO MYFICO AND THESE BOARDS.  I still only have an average score of 670, but it sure beats 508.  700 HERE I COME!

12/08/2010
636 - EQ
651 - EX (Pulled by Lender)
681 - TU
Regular Contributor
TheR105
Posts: 111
Registered: ‎03-21-2011
0

Re: AMAZING PROGRESS in 1 YEAR!!

Congrats :smileyvery-happy: these stories help to keep me going. I hope to post my own success story soon.

Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: AMAZING PROGRESS in 1 YEAR!!

WTG!

Established Contributor
MBOhio2
Posts: 945
Registered: ‎02-07-2011
0

Re: AMAZING PROGRESS in 1 YEAR!!

Awesome and congrats... have you put that engagement ring to use yet?! Sounds like more good things are coming for you!

Mid-2010 Starting Scores: FAKO EQ 476 FAKO EX 506 FICO TU98 575
Jan 2012 Current Scores: FICO EQ 604 FICO EX ??? TU98 623
Feb 2012 Goal Scores: EQ 620 EX 620 TR 620 (or just the middle to be 620!!)
Contributor
nvrgiveup08
Posts: 102
Registered: ‎01-24-2008
0

Re: AMAZING PROGRESS in 1 YEAR!!

That really gives me hope. Good job!!!

 

No place to go but UP


EQ 632
EX 648
TU 648
Regular Contributor
mocha82
Posts: 208
Registered: ‎03-11-2007
0

Re: AMAZING PROGRESS in 1 YEAR!!


z28pishi wrote:

Hey folks:

 

I have not written in a while.  I have some encouraging information for everyone attempting to get their credit back on track.  Exactly one year ago, my credit scores were in the low 500's.

 

Since discovering myfico, and the desire to finally own a home, I dedicated all my spare time in reparing my credit.  SInce then, this is what I have accomplished....

 

1. Purchased $140,000 home

 

2. Got first $500.00  Cap 1 credit card (only had one card before from First Premier which went into collections)

 

3. Got second $100.00 limit Besby Buy HSBC card

 

4. Got Macys car at $300.00 limit

 

5. Got JcPenney card at $100.00 limit

 

JOINED LOCAL GOVERNMENT CREDIT UNION

 

6. Refinanaced car loan from 21.99 % to 4.5%

 

7.  Approved for $5,000 unsecured loan (for engagement ring..almost paid off)

 

8.  Approved today for credit card with $3,000 limit!!!

 

Except for my mortgage, car loan, and unscured loan... I have no debt..

 

I OWE EVERYTHING TO MYFICO AND THESE BOARDS.  I still only have an average score of 670, but it sure beats 508.  700 HERE I COME!


Congrats to you!!!  Hard work does pay off.

Closed on my 1st home on: 11/30/2011
First Guaranty Mortgage Corporation (FGMC)
Starting Score:Equifax: 490 (01/14/2011)Transunion: 498 (01/14/2011)
Current Score: Equifax: 609(07/09/2012) Transunion: 644 (10/14/2011) Experian: 593 Lender Pull (08/22/2011)

Goal Score: 700

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