All scores above 620! No more 500s!

jbishop1001 · ‎03-03-2015

I recently paid all but 1 of my credit accounts in full and am now reporting 16% overall utl.

Experian removed 2 out of 3 collections (6 1/2 yrs old) yesterday & Transunion did as well, but I haven't gotten an updated score from them or Equifax regarding my balance decrease on the last card I paid off, so I'm not sure what my final mid score will be yet.

So happy, though! Need at least 19 points more from Equifax or 17 from TU. Should know by the end of this week!!

(Applying for fha/mshda)

Starting Fico 8 Score: 571 EQ - 574 EX 605 TU Current Fico 8: 695 EQ 677 EX 709 TU

alienfico · ‎03-03-2015

Congrats! Sometimes Equifax takes a while to report. For me Equifax is always dragging behind the rest of my scores.

Starting: TU:515, EX:521, EQ:528
Current: TU:700 EX:706 EQ:674
FICO Goal: 725
Cap1 Venture $11,000AU, First Progress $500, Cap1 QS $1750, FH$600, Open Sky $300, Cap1 $500, BestBuy $1500 Target $1800

Anonymous · ‎03-03-2015

Congrats!

Anonymous · ‎03-03-2015

Congratulations!!!! Noticed slowness with Equifax as well

New_Beginning · ‎03-03-2015

Congrats!

Starting Score: EQ 615 (MyFICO) TU 588 (Walmart) EX 576 (EX Website) Started this journey 06/26/2014
Current Score: EQ 710 (MyFICO) TU 673 (Walmart) TU 726 (MyFICO) EX 706 (MyFICO) As of Sep 2015
Goal Score: 750 or higher across the board
Take the myFICO Fitness Challenge

9CLINE · ‎03-03-2015

Congrats....on ur increases

nativenyer · ‎03-03-2015

Isn't it a wonderful feeling? Congrats!!

Anonymous · ‎03-03-2015

I see that you stated that you are applying for an FHA? I am wondering, why do not just wait and continue to work on your credit and obtain a higher score? I tend to forget, with FHA is it just one interest rate for everyone that qualifies or do they have different levels?

But congrats on the success you have so far!

Whitneyy · ‎03-03-2015

@jbishop1001 wrote:
I recently paid all but 1 of my credit accounts in full and am now reporting 16% overall utl.

Experian removed 2 out of 3 collections (6 1/2 yrs old) yesterday & Transunion did as well, but I haven't gotten an updated score from them or Equifax regarding my balance decrease on the last card I paid off, so I'm not sure what my final mid score will be yet.

So happy, though! Need at least 19 points more from Equifax or 17 from TU. Should know by the end of this week!!

(Applying for fha/mshda)

CONGRATS!!!!!!!!!

GOAL - 700 FICO across the board!

gdale6 · ‎03-03-2015

@jbishop1001 wrote:
I recently paid all but 1 of my credit accounts in full and am now reporting 16% overall utl.

Experian removed 2 out of 3 collections (6 1/2 yrs old) yesterday & Transunion did as well, but I haven't gotten an updated score from them or Equifax regarding my balance decrease on the last card I paid off, so I'm not sure what my final mid score will be yet.

So happy, though! Need at least 19 points more from Equifax or 17 from TU. Should know by the end of this week!!

(Applying for fha/mshda)

Grats to your success