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Almost hit 600 :)

Regular Contributor

Almost hit 600 :)

So in Oct 2011 my TU FICO was 472, a year later I decided to check it again since I've been going by my TU FAKO scores.  My TU FICO is 597!! and I only really started working on my report last month. Smiley Happy

 

Hopefully I will hit 600 by November since there are 4 items currently in dispute, 2 of them are completed and I am sure they will be deleted (they were deleted off of the other CRAs) TU doesn't update the report or tell you the outcome until all disputed items are completed.  I also have a Cap One secured cc that has not reported yet and my fiance will be putting me as an AU on his Goodyear cc. 

 

I still have a long way to go but I am excited about my progress and to think someone wanted to charge me $125 per acct to help me clean up my credit.

Message 1 of 13
12 REPLIES
Established Contributor

Re: Almost hit 600 :)

GREAT JOB!  Smiley Happy

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 2 of 13
Moderator Emeritus

Re: Almost hit 600 :)

Yeah!!!!  Now keep going,  see ya at 700 shortly!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 13
Valued Contributor

Re: Almost hit 600 :)

High Five for the 597 club!

 

It's almost like FICO likes to screw with us..."MAYBE NEXT MONTH SUCKERS"

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 4 of 13
Regular Contributor

Re: Almost hit 600 :)

LOL...that really made me laugh.  Seriously, they could have given us those 3 points Smiley Happy

Message 5 of 13
Highlighted
Established Contributor

Re: Almost hit 600 :)

You right I think they like to screw with us. 


Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

Take the FICO Fitness Challenge



Message 6 of 13
Frequent Contributor

Re: Almost hit 600 :)

Congrats, I remember a time I thought I'd never see the 600s.  Now I'm straddling the 700 line.  Keep it up!


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 7 of 13
Valued Contributor

Re: Almost hit 600 :)


Shan922 wrote:

LOL...that really made me laugh.  Seriously, they could have given us those 3 points Smiley Happy


Are you saying...we should GW Fico? lol

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 8 of 13
Established Contributor

Re: Almost hit 600 :)

Keep up the good work!  It's a long journey but you are making great progress.  You are doing great. :-)


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 9 of 13
Frequent Contributor

Re: Almost hit 600 :)

congrats! I have 10 items in dispute with TU and it says 5 are complete... why can't I have my 5 updates Smiley Sad you'd think they just wouldn't do anything like EQ does... at least they don't tease you! anywho that's awesome! I hope I am almost there but I don't want to pay to check it when there are a few things I'm expecting to come off.


Goal Score: 700
Message 10 of 13