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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.
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.
eta: Congrats on the progress you've made thus far!
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.
Congrats on your progress, keep up the good work