Rebuilding Your Credit

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Regular Contributor
boonelb
Posts: 121
Registered: ‎01-24-2012

Re: Follow my progress to rebuilding my credit.

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‎02-13-2012 04:55 PM

badcreditben can you send the email for ccs?

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Valued Contributor
FairCredBen
Posts: 1,456
Registered: ‎10-25-2011

Re: Follow my progress to rebuilding my credit.

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‎02-17-2012 09:34 AM

OH MY GAWD!!!!

 

I just talked to my lender and had him pull to see where i am at....

 

GUESS WHO IS IN THE 600 CLUB?!?!?! /me cries a little

 

EQ: 590 EX: 615 TU: 567 (2/17/2012 lender pull) 

 

This is the score TODAY BEFORE the following changes are posted.

 

CC balance paid down to 5%

1 Collections account is dropped.

 

My lender said that if we have 1 score over 620 and 1 at at least 600 (for the "mid" score, then he can get us financed) 

 

OMG

 

i dont know what to think

Current Score: EQ: 715 | TU: 694 | EX: 691
Gardening Time! 3/7/2013
In My Wallet: Cap1: $500 | Cap1: 1500 | Cap1 AU: 1250 | UECU Visa: $5000
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Established Contributor
jimbo831
Posts: 977
Registered: ‎02-08-2012

Re: Follow my progress to rebuilding my credit.

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‎02-17-2012 10:38 AM

Good luck!

 

I may be in your shoes in a couple years.  I'm just wondering what kind of down payment they will be requiring.  Thanks.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k
Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012

Take the FICO Fitness Challenge
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Contributor
izzesparks
Posts: 177
Registered: ‎02-05-2011

Re: Follow my progress to rebuilding my credit.

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‎02-17-2012 11:40 AM

Woo Hoo Congratulations GoodCreditBen!! I am crying happily with you, I just got approved to lease a condo yesterday! My scores are not  high enough to buy a home yet, but to here her say APPROVED was the best feeling ever!! LETS DO IT... LETS DO IT.... GOOD CREDIT... GOOD CREDIT... YAY!

Starting Score: TU-582, EQ-597, EX-520
Current Score: TU-582, EQ-524, EX-552
Goal Score: TU-700, EQ-700, EX-700

Take the FICO Fitness Challenge
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Valued Contributor
FairCredBen
Posts: 1,456
Registered: ‎10-25-2011

Re: Follow my progress to rebuilding my credit.

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‎02-17-2012 11:58 AM

w00h00!

Current Score: EQ: 715 | TU: 694 | EX: 691
Gardening Time! 3/7/2013
In My Wallet: Cap1: $500 | Cap1: 1500 | Cap1 AU: 1250 | UECU Visa: $5000
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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: Follow my progress to rebuilding my credit.

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‎02-17-2012 12:12 PM

You'll be changing your name in no time to AvgCredBen and ultimately ExcellCredBen. Grats!

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

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Valued Contributor
FairCredBen
Posts: 1,456
Registered: ‎10-25-2011

Re: Follow my progress to rebuilding my credit.

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‎02-17-2012 12:16 PM

yes yes yes MUAHAHAHAHA 

 

my plan, IT is unfolding!!! 

Current Score: EQ: 715 | TU: 694 | EX: 691
Gardening Time! 3/7/2013
In My Wallet: Cap1: $500 | Cap1: 1500 | Cap1 AU: 1250 | UECU Visa: $5000
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Valued Contributor
rckstrscott
Posts: 2,244
Registered: ‎04-25-2011

Re: Follow my progress to rebuilding my credit.

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‎02-17-2012 12:17 PM

FrugalRican wrote:

You'll be changing your name in no time to AvgCredBen and ultimately ExcellCredBen. Grats!

This just made me LOL at work... esp the AvgCredBen one. ha

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession
Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Message 48 of 57 (409 Views)
 
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Valued Contributor
FairCredBen
Posts: 1,456
Registered: ‎10-25-2011

Re: Follow my progress to rebuilding my credit.

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‎02-17-2012 12:19 PM

me as well scott, i even went MUAHAHAHAHA out loud at work xD :smileyvery-happy:

Current Score: EQ: 715 | TU: 694 | EX: 691
Gardening Time! 3/7/2013
In My Wallet: Cap1: $500 | Cap1: 1500 | Cap1 AU: 1250 | UECU Visa: $5000
Message 49 of 57 (406 Views)
 
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Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008

Re: Follow my progress to rebuilding my credit.

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‎04-01-2012 12:16 PM

Congrats Ben :smileyhappy:

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
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