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Valued Member
CollectionKing
Posts: 36
Registered: ‎11-05-2012
0

First FICO pull since rebuild started...

467 on EQ, talk about gut wrenching, I have a LONG way to go.  Guess I will get to know everyone here quite well.

 

This is my second journey to rebuild, I started back in 08 and went from a sub 500 score to 620+ and got my house, then I got sued and pretty much lost everything.  I'm 26 so I guess the positive to all of this is that it's happening when I'm young.


Starting Score: 467 EQ
Current Score: 467 EQ
Goal Score: 720+


CollectionKing's Rebuild Thread

Valued Contributor
madmann26
Posts: 1,459
Registered: ‎08-30-2012
0

Re: First FICO pull since rebuild started...

Sorry for the troubles. You're in good hands around here.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|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 $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
0

Re: First FICO pull since rebuild started...

+1 good hands for sure. I am 25 and have been in the high 300's so I can relate. Good luck to you!



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


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Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012
0

Re: First FICO pull since rebuild started...

[ Edited ]

This is how I did.

Paid all CO and CO Seattle or PIF or PFD whatever they accept.then wait for 6 months when first round done. Then hire credit repair do these job. Leave it alone go vacation or do something for another 6 months. Then you see big change lol. I just hoping lol. But remember pay bill ontime . Now I'm on vacation the only 1 thing I did it sent PFD on 2 account will fall off longer than another lol

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Valued Contributor
nicholasyud
Posts: 1,737
Registered: ‎08-13-2012
0

Re: First FICO pull since rebuild started...

I did all my credit repair myself by look up everything on this forum and some others.......Take note.....Learn......Bold Tips and many important thing on my credit file. I start on 550 and get up to 675 up till today. Down from 3 collection 2 charge off few lates and now im down to 2 charge off...........My score increase so much and i believe you can do that too.....Just dont give up..........I sent about 200 letter so far with my process......but i guess its work out so good......Dont even had to paid a penny since they all out of SOL and get my credit so clean...........

From no credit at all from last years and now i own USAA credit card, Amex Express NSPL and Delta...........i mean.....its feel great that u submit the application button and its went straight approved for 5 second. There is nothing better than that...............


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Valued Member
CollectionKing
Posts: 36
Registered: ‎11-05-2012
0

Re: First FICO pull since rebuild started...

Yea I plan on doing everything myself, Lexington won't be getting a dime from me.

Starting Score: 467 EQ
Current Score: 467 EQ
Goal Score: 720+


CollectionKing's Rebuild Thread

Established Contributor
TrishN
Posts: 505
Registered: ‎11-05-2012
0

Re: First FICO pull since rebuild started...

I know how you feel lol. And you know how I feel too. Lol

The different is: I can't write too much letter. I'll fall to sleep when I look and writting letter. ^_~

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Regular Contributor
Madman94044
Posts: 142
Registered: ‎07-01-2012
0

Re: First FICO pull since rebuild started...

You're un the right place to rebuild. It's nothing a little money and time can't fix. :smileyhappy:
Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
Valued Contributor
beb86
Posts: 1,115
Registered: ‎10-31-2011
0

Re: First FICO pull since rebuild started...

[ Edited ]

CollectionKing wrote:

467 on EQ, talk about gut wrenching, I have a LONG way to go.  Guess I will get to know everyone here quite well.

 

This is my second journey to rebuild, I started back in 08 and went from a sub 500 score to 620+ and got my house, then I got sued and pretty much lost everything.  I'm 26 so I guess the positive to all of this is that it's happening when I'm young.


That is a tough situation you are in but you have pulled yourself out of the ashes once and will do it once again.....I look forward to hearing about your future success.

 

 

Edited because my earlier post was from my phone and didn't quite see the entire post like I should have.

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

Re: First FICO pull since rebuild started...

Well give us some info, we're ready to get this ball going!


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!

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