I know there had to be something good happening when I got a $2000 CLI on my 6 mo old Cap One! I waited just long enough to see the increase post on all 3 CRA and then bought the scores...
655 on EX - tenant screening this week so possible rental history enhancement here... I'm going to call thh screening company and check today.
641 on EQ - from myfico.com
622 on TU - from myfico.com - this is less than the 633 I got from Care Credit when they denied me but still up in the last 6-8 months. :-)
No recent repairs, still have 3 collection baddies from 2008 for a total of about $6000... and 2 old state tax liens filed in 08 and 09 because I didn't do my taxes on time... they released when I filed for my refunds.
Just a function of time and clean payment histories since January 2009.
Starting Score: 03/31/2012 - FICO EX 599 (auto loan pull) EQ 593 TU 602)
Growing! Now, anything you can do about those baddies?
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Try and put some money back so when they make an acceptable offer you can pounce on it with a PFD. Good Luck!
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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