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Awesome rebuilding experience so far!!

Regular Contributor

Awesome rebuilding experience so far!!

So since my last post and a FICO of 560ish I am now at 674!!!! I know I know... Nothing to brag about but a big leap for me In such a short time (4/5 months)

I was stuck in a horrible auto loan with a 14% interest rate, I had no revolving credit and couldn't get any, and had some serious student loan delinq's (7 total- all either default or 120+ past due). This was all brought on by a death in the family and a poor paying job about 4 years ago.

As of today

All student loans rehabbed and consolidated- all showing pays as agreed with payment history from original start date

6 revolving accounts-
J.crew/comenity - 500$
Express/comenity - 500$
The buckle/comenity- 300$
Capital one classic platinum- 300$
Élan financial secured- 300$
And.... The best part
CHASE FREEDOM cash rewards! - 1000$!

I currently hold an auto loan through ally with 9.9% financing, nothing special but a huge drop from the past loan.

I still have 2 paid CO CC Accts with GEMB Old navy, and paypal- they will not budge for anything and I fear they are stuck permanently.... Well for 5 more years. I have 12 HP's but about half are 1.3 years old. The others are from 2/3 months ago and today.

I'm really hoping that by this time next year I'll be sitting nice with AT LEAST a 700 fico and some nice credit limits on my revolving Accts.

Definitely want to say thank you to every member here who helps out and if there is anything I can answer or help with just ask away.
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Message 1 of 7
6 REPLIES
Established Contributor

Re: Awesome rebuilding experience so far!!

Remember, it took a while to trash your credit and it takes even longer to climb out of the valley. Congradulations on your accomplishments. The key is pay on time every month.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico)XP 735 (FAKO)
Updated scores 05/01/17 EQ 824, TU 812 EXP 810 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 2 of 7
New Contributor

Re: Awesome rebuilding experience so far!!

What kinda score did you have when you were approved for the Freedom card?
In The Garden Since 1/5/13

Starting Score: EQ FICO 627 CK 633 CS 630 (12/2012)
Current Score: EQ FICO-584: EX FICO (BofA, 12/17/2012): 538 :CK 578 :CS 630
Goal Score: 700


Take the myFICO Fitness Challenge
Message 3 of 7
Highlighted
Cek
New Member

Re: Awesome rebuilding experience so far!!

How did u get a loan to reconsolidate? I'm trying to consolidate about 30,000 in cc debt and was denied bc of my credit score

Message 4 of 7
Regular Contributor

Re: Awesome rebuilding experience so far!!

Freedom was this month.

Reconsolidation was on student loans and by salie Mae. I just filled out paperwork and was completed.
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Message 5 of 7
Regular Contributor

Re: Awesome rebuilding experience so far!!

Congrats!! I  Keep it up youll see 700 in no time!

Starting: 6/2012 : EX: 485(FAKO) EQ: 490(FICO) Trans: 482(FAKO)
Current : 4/2014: EX: 650(FICO) EQ: 664 (FICO) Trans: 681 (FICO)

Cards: NPSL Amex Green (AU), $11500 Discover IT, $4000 Quicksilver One, $3500 Bank of America Travel Rewards,$3000 Amex BCE,$3000 Quicksilver One, $3000 AA, $2500 Sallie Mae MC, $5000 Citibank AA, $1500 Barclay, $1200 Macys
~Back to the Garden~

Goal Score: 700 Across!

Gardening til 8/2014!!
Message 6 of 7
Cek
New Member

Re: Awesome rebuilding experience so far!!

So u recnsolidated ur student loans?

 

Message 7 of 7