Reply
Regular Contributor
Posts: 146
Registered: ‎01-24-2012
0

Re: Follow my progress to rebuilding my credit.

badcreditben can you send the email for ccs?

Valued Contributor
Posts: 1,540
Registered: ‎10-25-2011
0

Re: Follow my progress to rebuilding my credit.

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

----- IF you find my post helpful, Select the star in the KUDOS button! Smiley Happy
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 690
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $3250
Established Contributor
Posts: 977
Registered: ‎02-08-2012
0

Re: Follow my progress to rebuilding my credit.

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
Highlighted
Regular Contributor
Posts: 213
Registered: ‎02-05-2011
0

Re: Follow my progress to rebuilding my credit.

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-608 6/2/15, EQ-605 6/2/15, EX-581 6/2/15
Goal Score: TU-700, EQ-700, EX-700


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,540
Registered: ‎10-25-2011
0

Re: Follow my progress to rebuilding my credit.

w00h00!

----- IF you find my post helpful, Select the star in the KUDOS button! Smiley Happy
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 690
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $3250
Blogger
Posts: 2,876
Registered: ‎02-02-2012
0

Re: Follow my progress to rebuilding my credit.

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)

Valued Contributor
Posts: 1,540
Registered: ‎10-25-2011
0

Re: Follow my progress to rebuilding my credit.

yes yes yes MUAHAHAHAHA 

 

my plan, IT is unfolding!!! 

----- IF you find my post helpful, Select the star in the KUDOS button! Smiley Happy
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 690
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $3250
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

Re: Follow my progress to rebuilding my credit.


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): 09/14: TU: 784 | EQ: 752 | EX: 784
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


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Valued Contributor
Posts: 1,540
Registered: ‎10-25-2011
0

Re: Follow my progress to rebuilding my credit.

me as well scott, i even went MUAHAHAHAHA out loud at work xD Smiley Very Happy

----- IF you find my post helpful, Select the star in the KUDOS button! Smiley Happy
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 690
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $3250
Established Contributor
Posts: 905
Registered: ‎07-25-2008
0

Re: Follow my progress to rebuilding my credit.

Congrats Ben Smiley Happy


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.