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AMAZING PROGRESS in 1 YEAR!!

Established Member

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
5 REPLIES
Regular Contributor

Re: AMAZING PROGRESS in 1 YEAR!!

Congrats Smiley Very Happy these stories help to keep me going. I hope to post my own success story soon.

Moderator Emeritus

Re: AMAZING PROGRESS in 1 YEAR!!

WTG!

Established Contributor

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
July 2017 Current Scores: Approx 710 (waiting for official updates)
Contributor

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

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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