Reply
Valued Contributor
Posts: 1,074
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

    Thank you for your support. I am really curious as to what my EQ and EX scores are now. I am hopefully almost to a threshhold where I can be approved for a credit card that I wasn't previously eligible for. I think 640 is a threshhold for some. I know it is a threshhold for some mortgages so it probably is for some credit cards as well. I'm in gardening mode for now although I just can't wait to get a third active tradeline established and aging...

300/21001100/13001500/25001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Valued Contributor
Posts: 1,074
Registered: ‎02-06-2013

Re: Dewdrop credit rebuilding log

300/21001100/13001500/25001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Valued Contributor
Posts: 1,074
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

---Approved... Discover It card. CL:1000 dollars...

300/21001100/13001500/25001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Valued Contributor
Posts: 1,074
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

    I reapplied for Chase Freedom last week. Was given the 7-10 day message. I reconned and they talked with me for a while, put me on hold for a while, then asked me to  fax address verification. I did that 4 days ago. I called back today. They said that my address verification was probably between departments somewhere in the company and c all back in a week... So I refaxed address verification along with a new and improved cover sheet where I provided more info and explanation. Hopefully one of the two faxes will get to the right person soon. My application is listed as pending with them as of today. i hope that is a good sign because when I appleied a couple months ago then called they told me immediately that it was rejected and gave me reasons why. So I have my fingers and toes crossed that if they are still stringing me along with this address verification that I will be eventually approved....

300/21001100/13001500/25001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Established Contributor
Posts: 960
Registered: ‎02-14-2013
0

Re: Dewdrop credit rebuilding log

Congrats!!  and super congrats on the score increase as well!

EQ8: 630 EQ5: 662 V3.0: 695 **4/2015
TU8: 635 TU4: 700 V3.0 :693 **4/2015
EX8: 644 EX3: 670 V3.0: ? **4/2015
CCD Util 7%

Valued Contributor
Posts: 1,074
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

    I called the Chase Freedom recon line again 2 days ago to see if my verification of physical address info had arrived there. Twice now they said that what I faxed them is not clear enough. So I sent them through snail mail photocopies of my id twice. If that doesn't do it, idk what will. I paid my credit cards in full this od.morning and have zero balances which feels good. I am hoping to get approved for the Chase Freedom this week and then off to the garden for me for about 6 months. I have a lot of new accounts and the most important thing I need to do is just wait at this point. I am only using my cards to make token purchases to keep them active because I am very afraid of going into debt. I got credit cards to help my credit not to go into debt and I keep reminding myself of that.

300/21001100/13001500/25001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
0

Re: Dewdrop credit rebuilding log

Way to go and congrats!!!


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 1,074
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log


madmann26 wrote:

Way to go and congrats!!!


   Thanks. That is an impressive NFCU CL ya got there. That should help with future credit limits....

300/21001100/13001500/25001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Regular Contributor
Posts: 246
Registered: ‎02-27-2013
0

Re: Dewdrop credit rebuilding log

You're doing fantastic!! Keep up the good work.

Start: (2-26): EQ 602 (Myfico) TU 579 (Credit Karma) EX 634 FAKO
Current: (7-12): EQ 690(myfico) WalmartTU 696 EX 689 (lender 6-3)
1st Goal: 680 across the board - DONE June 2013!
2nd Goal: 725 across the board
Established Contributor
Posts: 960
Registered: ‎02-14-2013
0

Re: Dewdrop credit rebuilding log

Congrats on all the success bud! Hope chase comes through for ya
EQ8: 630 EQ5: 662 V3.0: 695 **4/2015
TU8: 635 TU4: 700 V3.0 :693 **4/2015
EX8: 644 EX3: 670 V3.0: ? **4/2015
CCD Util 7%

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.