Finally made it to 700!

LionLaw · ‎03-01-2013

...and it feels awesome.

When I first came here in June 2012, my score was 617. I had already spent a few months working on getting my finances in order, but seeing my score made me realize I still had a long way to go. I set a goal for myself: get to 700. Thanks to the advice I found on this board, I took charge of my credit, and my score started to rise. When my accounts reported for January, my scorewatch got all the way up to... 699! Come on, so close! I know 700 is just an arbitrary number, but I still wanted to see it, and I figured I'd have to wait at least another month to get there.

Turns out I was wrong! I apped for a BOA Cash Rewards Visa Signature, and when I got my card in the mail, it came with an Experian FICO score of... 704! Woo hoo! A couple years ago, it felt like my credit would be terrible forever; it's felt great to gradually get things back in order, but finally being over the hump with a score in the 700s feels like its own accomplishment.

Next stop: 720s across the board!

DaBears · ‎03-01-2013

Congrats of making the 700 club!!!!!

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Shogun · ‎03-01-2013

Wow.. yup,, it's that time!

Happy Dance time!!!!!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

DaBears · ‎03-01-2013

+1 Shogun.......LMAO @ Carlton

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Lzzybeth · ‎03-01-2013

A big hearty congrats to you!! I hope to break that same plateau soon too. Way to go!

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Bleety17 · ‎03-01-2013

Congrats! I feel so far away! still working on joining the 600 club lol

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BrownBee · ‎03-01-2013

Congrats!

Starting Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert)
Current Score: 02/2013 606(TU-myFICO); 647(EQ-CreditExpert); 578(EX-CreditExpert)
Goal Score: 650 TU, EX, EQ

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koky · ‎03-01-2013

Happy For You...

ficophobic · ‎03-01-2013

Congrats!!!

Starting Score: 501
Current Score: 529
Goal Score: 700

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Crossdivided · ‎03-01-2013

Nice job! If you dont mind me asking, what negatives are left if any? Just trying to get the feel of what it takes to get to 700.

Thanks!