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New Contributor
amkari
Posts: 59
Registered: ‎03-14-2012
0

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 


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Valued Contributor
madmann26
Posts: 1,453
Registered: ‎08-30-2012
0

Re: Finally seeing an increase!

Congrats, keep rocking it!


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 690|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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My Journey
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

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+

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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!
New Contributor
amkari
Posts: 59
Registered: ‎03-14-2012
0

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
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

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!

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