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Established Member
Posts: 23
Registered: ‎11-02-2007
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Elated with a built up score of 809!

Just a celebration to let each of you know that this is all worth it.  The information on this board has helped me get my score from 690 range to 809 in a year and a half.  I did not have that much rebuilding to do, but 5 items that needed to be deleted.  I perservered and read this board every day for one year and then did not take no for an answer.  I had paid a collection before I discovered the board and sent a letter to the ATand T CEO....I also got a NO from Commerce bank on a goodwill letter so I sent one to the president of our local branch.  Other creative ideas because of this board...THANK YOU.  I am going mortgage shopping tomorrow with Suzy platnum reports in hand.  Suzy's kit also helped get rid of one....Now if the mortgages will keep coming down...Smiley Very Happy
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
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Re: Elated with a built up score of 809!

Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Valued Contributor
Posts: 1,080
Registered: ‎06-08-2008
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Re: Elated with a built up score of 809!

WOW!!! Congrats!


We are finally homeowners!!

Closed May 5th-30 yr fixed at 5.25%.

Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: Elated with a built up score of 809!

Fantastic! Congrats!
Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
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Re: Elated with a built up score of 809!

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
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Re: Elated with a built up score of 809!

No worries for a great rate I bet!
Established Contributor
Posts: 612
Registered: ‎08-01-2008
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Re: Elated with a built up score of 809!

That's fantastic!! Congrats!!!
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
05/14/16 - 762 EX
Established Contributor
Posts: 788
Registered: ‎07-04-2008
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Re: Elated with a built up score of 809!

Outrageous success story (and great advice). Thank you!
Valued Contributor
Posts: 3,017
Registered: ‎06-03-2008
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Re: Elated with a built up score of 809!

Wow. I want to be you!  Amazing success!
I'm hoping to be in 800's someday from the low 600's initially. We'll see.
Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
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New unpaid medical bills. Help!

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