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Credit Score is starting to go up. New Update! Still Need Advice- MY Journey

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Blake2891
Valued Member

Credit Score is starting to go up. New Update! Still Need Advice- MY Journey

Okay...I started back in October 

Transunion Score was 527 in OCtober, IT IS NOW 608.  This is what is on my report NOW!!!!!!

Goodies:

Fingerhut:  $350/$1150

QVC: $164/$200-GE DECREASED MY LIMIT FROM $400.00-$200.00

New York and Company: 0/250

Macy's: 1000/1000

Jcpenney: 38/200- PAID OFF

Gap: 0/200- GE CLOSED MY ACCOUNT

Dillards:150/200- PAID OFF

NFCU NRewards: 2000/2000- Did the 2.99 percent Promotional Balance Transfer to Pay off other cards

NFCU GOrewards: 5000/5000-Did the 2.99 percent Promotional Balance Transfer to Pay off other cards

Walmart-150/300- PAID OFF

Capital One: 1200/2320.00

Credit One: 1000/1000

First Premier:  0/0- PAID OFF

NFCU (Navcheck) 600/6000

Mortgage is $837.00 that I got in 12/2012 and it is $114,266 never late and the interest rate is 3.8%.  Score was 592.

Student Loans of $7000 and I pay $75.00 a month (2xs late)

Exeter Finance: Balance of $19,000 with a  14% interest rate and car is $412.00 a month

Victoria Secrets:  0/300

KAY Jewelers: $1200.00/2200.00

Chase:  Authorized User- 1300.00/5,000

Barclays: Authorized User- 1300/2000.00

11 INQUIRIES

Baddies:

Payday Loans equal to $1278.00- AfdAstra Rec

Midland:  $2167.00- Verizon Phone Bill- DELETED

Cox Communications: $270.00

Parking Ticket: $215.00

 

EQUIFAX is now 608 (Just went up from 580 from a month)

44 inquiries

Accounts are the same

No Late Pays

Satisifed Judgment to Midland for $1665.00 in 10/2010

 

Experian 630

 

Income is $55,000.00 a year. I would like to be in the 700's by October 2014.

 

Message 1 of 4
3 REPLIES 3
Goal850
Regular Contributor

Re: Credit Score is starting to go up. New Update! Still Need Advice- MY Journey

Have you tried to refinance your car with Navy? Last year my scores were around the same as yours with two charge offs and lates, and less income than you have listed, and I was able to finance 18K at 2.99% interest. Just putting that out there, maybe it could save you a few dollars. Smiley Happy

 

eta: Congrats on the progress you've made thus far!

Message 2 of 4
Blake2891
Valued Member

Re: Credit Score is starting to go up. New Update! Still Need Advice- MY Journey

For some reason, Navy is turning me down.  Probably because my utilization with them is very high.  I am going to Garden for 6 months and then ask.

 

Message 3 of 4
alvon123
Super Contributor

Re: Credit Score is starting to go up. New Update! Still Need Advice- MY Journey

Congrats on your  progress, keep up the good work


Message 4 of 4
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