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Valued Member
Posts: 29
Registered: ‎03-12-2017

All scores in "good" finally!!

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They're all finally in the good category! I was in "Very poor" when I started in November. This forum has been life saving for me! Thank you all. Next up: Gardening my way to the 700 club!!

Starting Scores: EQUIFAX- 599 TRANSUNION- 601 EXPERIAN- 627


Current Scores: EQUIFAX- 639 TRANSUNION- 620 EXPERIAN-668
Capital One Secured $500 | Credit One $450 | Victoria's Secret $250 | Finger Hut $400 | Care Credit $500
Established Member
Posts: 50
Registered: ‎05-06-2017
0

Re: All scores in "good" finally!!

Very good job! Having been in the red for so long i'm digging the yellow. Slow and steady I guess, right?  Congrats!



Gardening since 05/17/2017


Starting Scores 03/17/2017 EQ 491 TU 495 EX465 Currently 05/19/2017 EQ 508 TU 525 EX 499
Valued Contributor
Posts: 1,615
Registered: ‎08-25-2016
0

Re: All scores in "good" finally!!

Don't be discouraged if your scores drop some. When your rebuilding scores can be very volatile until your reports are nice and thick. As long as your scores are on a generally upward trend you're doing good.
New Member
Posts: 7
Registered: ‎03-18-2017
0

Re: All scores in "good" finally!!

Congrats!!! What a great way to end the week! 

Senior Contributor
Posts: 3,294
Registered: ‎05-25-2016
0

Re: All scores in "good" finally!!

Yes I'm dealing with the up and downs for no apparent reason now, I was in the high 660s across the board for steady 4 mths now I'm back below 650 , it's really discouraging to see , anyways congrats Op
Regular Contributor
Posts: 569
Registered: ‎03-28-2017
0

Re: All scores in "good" finally!!

Congrats OP!

 

What's holding you back from the next level?  High utilization?  Remaining baddies?

Rebuilding through 2018: 5/17: EQ583 | TU614 | EX574
Cap1 Secured ($3000) | Discover Secured ($2500) | Williams Sonoma Store Card ($400) | Alliant SSL | Local Bank Secured ($5000)

Rebuilding towards 740
Valued Member
Posts: 29
Registered: ‎03-12-2017
0

Re: All scores in "good" finally!!

Thank you all!

 

Holding me back currently is one collections only reporting to EQ though. A judgement on all reports from an unpaid car accident of $1800. Due to fall off April 2018. And my AAoA is very low. 

Starting Scores: EQUIFAX- 599 TRANSUNION- 601 EXPERIAN- 627


Current Scores: EQUIFAX- 639 TRANSUNION- 620 EXPERIAN-668
Capital One Secured $500 | Credit One $450 | Victoria's Secret $250 | Finger Hut $400 | Care Credit $500
Established Contributor
Posts: 915
Registered: ‎01-19-2015
0

Re: All scores in "good" finally!!

Lookin' good....work it!.....keep the pace...Smiley Happy

AmexPlat(NPSL) AmexOpt (13.1k AU) Walmart(10k) Discover(8k) BB Visa(6k) Pier 1(4.25k) Kohls(3k) J Crew(1.7k) Amex Delta Gold(5k) Amex BCP(22k) BofA BBR(10k) BofA CR Siggy(15k) Barclaycard(5k) Venture WMC(6.45k) Chase FU(7k) QS(3.3k) Citi Diamond(4.5k) PenFed PCR(3K) Lowes(2K) NFCU VS Cash(5.5K) NFCU CLOC(5K)
FICO 8 Scores EX 730(20) EQ 693(16)TU 721(26) AAOA 3.0yrs TCL=139,550.00
Regular Contributor
Posts: 210
Registered: ‎02-13-2016
0

Re: All scores in "good" finally!!

Great job! Congrats and keep up the good work!

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Regular Contributor
Posts: 569
Registered: ‎03-28-2017
0

Re: All scores in "good" finally!!

Make sure to get the court records on the judgment and go over them closely.  Then get your paper reports from the CRAs and see if everything matches.  If it doesn't, dispute for inaccuracies and see if they remove them.

Rebuilding through 2018: 5/17: EQ583 | TU614 | EX574
Cap1 Secured ($3000) | Discover Secured ($2500) | Williams Sonoma Store Card ($400) | Alliant SSL | Local Bank Secured ($5000)

Rebuilding towards 740

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