Rebuilding Your Credit

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Established Contributor
aussiesareforever
Posts: 678
Registered: ‎10-04-2010

Broke 700

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‎02-29-2012 10:45 AM

So excited. I cancelled Scorewatch but finally gave in today and checked my TU score.

 

713!!!!!!!!

 

So excited. Can't believe I've come this far. Almost 4 years post BK although I didn't start paying attention to my credit score until about a year ago.

 

And of course, I have everybody on these boards to thank.

 

Still gardening :smileyhappy:

 


Barclay's Apple Financing Card ($6400) --- Capital One Cash Rewards World Card ($6000) ---GEMB CareCredit ($5700) --- AU FCU ($6000)--- Walmart ($5000)


FICO Scores: TU 735 EQ 695 EX 740 (Feb 2013, all pulled by lender)

Mortgage in 2013- So help me God!
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Established Contributor
namvet
Posts: 848
Registered: ‎09-22-2011

Re: Broke 700

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‎02-29-2012 10:52 AM

Congrats!  It's not easy to slide into the 700 club.  Even harder to stay there. 

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Established Contributor
aussiesareforever
Posts: 678
Registered: ‎10-04-2010

Re: Broke 700

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‎02-29-2012 10:53 AM

namvet wrote:

Congrats!  It's not easy to slide into the 700 club.  Even harder to stay there. 


Thanks Namvet. I will do everything within my power to ensure I don't backslide :smileyhappy:


Barclay's Apple Financing Card ($6400) --- Capital One Cash Rewards World Card ($6000) ---GEMB CareCredit ($5700) --- AU FCU ($6000)--- Walmart ($5000)


FICO Scores: TU 735 EQ 695 EX 740 (Feb 2013, all pulled by lender)

Mortgage in 2013- So help me God!
Message 3 of 9 (274 Views)
 
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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: Broke 700

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‎02-29-2012 10:56 AM

Congrats, keep up the great work!

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

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Established Contributor
aussiesareforever
Posts: 678
Registered: ‎10-04-2010

Re: Broke 700

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‎02-29-2012 11:08 AM

Thank you!!


Barclay's Apple Financing Card ($6400) --- Capital One Cash Rewards World Card ($6000) ---GEMB CareCredit ($5700) --- AU FCU ($6000)--- Walmart ($5000)


FICO Scores: TU 735 EQ 695 EX 740 (Feb 2013, all pulled by lender)

Mortgage in 2013- So help me God!
Message 5 of 9 (256 Views)
 
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Regular Contributor
lovinlifeinkc
Posts: 154
Registered: ‎12-21-2011

Re: Broke 700

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‎02-29-2012 05:38 PM

Congrats.  Can I share?  My credit score in August of 2011 was 590.  After lots of work, bill paying, challenging, pay for delete letters, budgeting and careful credit card applications- 721!!!  Yeeeeeee- HAW!!   :smileylol:

Starting Score Aug 2011 590/ Gardening until 2013!!
Current Score Walmart 683/ FICO Equifax 722/738/ 708 Transunion FICO 700/ 725 Credit Karma 648/678/
Goal Score 750
Credit Cards- Orchard $300, Capitol One $300/$500, Amazon $600/$1300 Pennys $700, Walmart $250/$700, Discover $2000, Chase $1500 Pending Citi/Declined Cit- Inquires and new credit....... GARDENING UNTIL 2013 or home loan time!!! Help me stay strong!!
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LIGHTNIN
Posts: 3,368
Registered: ‎03-24-2008

Re: Broke 700

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‎02-29-2012 05:58 PM

Congrats to daisydvm and lovinlifeinkc.

 

WooHoo ! ! !   Members of the 700 club!:smileyhappy:

FICO's Oct 2012 TU731 EQ744Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
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Established Contributor
aussiesareforever
Posts: 678
Registered: ‎10-04-2010

Re: Broke 700

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‎03-01-2012 05:50 AM

Thanks Lightnin.

 

That is awesome LovinglifeinKC. Nice job and keep it up!


Barclay's Apple Financing Card ($6400) --- Capital One Cash Rewards World Card ($6000) ---GEMB CareCredit ($5700) --- AU FCU ($6000)--- Walmart ($5000)


FICO Scores: TU 735 EQ 695 EX 740 (Feb 2013, all pulled by lender)

Mortgage in 2013- So help me God!
Message 8 of 9 (166 Views)
 
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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: Broke 700

[ Edited ]
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‎03-01-2012 05:56 AM - last edited on ‎03-01-2012 09:36 AM by

lovinlifeinkc wrote:

Congrats.  Can I share?  My credit score in August of 2011 was 590.  After lots of work, bill paying, challenging, pay for delete letters, budgeting and careful credit card applications- 721!!!  Yeeeeeee- HAW!!   :smileylol:

Very nicely done. You must be super ecstatic. Congrats.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

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