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Finally seeing an increase!

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New Contributor

Finally seeing an increase!

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)
Current Score: 10/25/2012 - EX (tenant screening) 655 - EQ (myfico.com) 641 - TU (myfico.com) 622
Goal Score: We’ll start with 650 across the board 


Take the FICO Fitness Challenge
Message 1 of 5
4 REPLIES
Valued Contributor

Re: Finally seeing an increase!

Congrats, keep rocking it!

Scores: about 700 across the board
Total CL: $275k
Message 2 of 5
Moderator Emeritus

Re: Finally seeing an increase!

Growing!  Now, anything you can do about those baddies?

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+
Take the myFICO Fitness Challenge

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.
Message 3 of 5
New Contributor

Re: Finally seeing an increase!

Not yet... they're all legitimately mine but no extra cash to try for a settlement or PFD.  One is Midland on a Providian/Chase card - I keep getting settlement offers from them in the mail.  No communication from the others. 

 

 


Starting Score: 03/31/2012 - FICO EX 599 (auto loan pull) EQ 593 TU 602)
Current Score: 10/25/2012 - EX (tenant screening) 655 - EQ (myfico.com) 641 - TU (myfico.com) 622
Goal Score: We’ll start with 650 across the board 


Take the FICO Fitness Challenge
Message 4 of 5
Moderator Emeritus

Re: Finally seeing an increase!

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: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

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.
Message 5 of 5