Reply
Established Member
thel222
Posts: 15
Registered: ‎12-27-2012

From 650 to 797 in exactly one month!

[ Edited ]

Years ago, I made some stupid mistakes with my credit, followed by years of operating on a cash-only basis, assuming I could never get any credit.  At the end of 2012, I decided to take the bull by the horns.  What I found when I pulled my reports on December 27th was that my problem wasn't  really BAD credit - though I did have a few dings. My biggest problem was an exceptionally thin credit file.  So thin, that I couldn't even generate a TU or Experian report or get a CapOne auto loan.

 

Fast forward one month . . . by adding a couple of credit cards - CapOne secured ($300) and Citi Forward ($1k, obtained after a simple recon call) -  I just received a ScoreWatch alert telling me my score JUMPED to 797.  Talk about doing the happy dance!

 

I'm not sure what prompted me to finally address my credit, but I'm so glad I did.  To anyone who thinks things will never get better - believe me, they will!  Just listen to all of the great advice found on these boards.  Thanks to all of you for sharing your successes (and "not successes").

 

BTW, does anyone else's heart stop when they get that ScoreWatch alert??  I thought the alert was going to show a small decline since I'd gathered my courage and went to the car dealer on Saturday.  I guess I should expect that decline this week, but that's ok by me.

 

Edited to add:  Just to clarify, it looks like 2 accounts were also deleted. One was due to age off next month and I just DV'd the other (Pinnacle).

Regular Contributor
FLAJenn
Posts: 182
Registered: ‎09-20-2012

Re: From 650 to 797 in exactly one month!

WOW! That's awesome, congrats

Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: From 650 to 797 in exactly one month!

Fantastic score, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Member
llauren321
Posts: 25
Registered: ‎11-28-2012

Holy crud! That is unbelievable! Send some of that good e...

Holy crud! That is unbelievable! Send some of that good energy my way!!


Starting Score: 624
Current Score: 677
Goal Score: 700


Take the myFICO Fitness Challenge

Take the myFICO Fitness Challenge
Contributor
soILseminole
Posts: 80
Registered: ‎01-17-2013

Re: From 650 to 797 in exactly one month!

awesome news OP, I love reading these success stories...congrats

Current: |MyFico TU-766| |MyFico EQ-737| |Amex EX-736| (May '13)
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: From 650 to 797 in exactly one month!

+1 and Congrats

Valued Contributor
annielorie
Posts: 1,207
Registered: ‎02-19-2012

Re: From 650 to 797 in exactly one month!

Good JOB!!


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Valued Member
changeisvital
Posts: 45
Registered: ‎12-05-2012

Re: From 650 to 797 in exactly one month!

That is awesome! You will be over 800 in no time!


Starting Score: 495 (12/2012)
Current Score: 520 (01-06-2013)
Goal Score: 680


Take the FICO Fitness Challenge

Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

Re: From 650 to 797 in exactly one month!

WOOHOO! What a jump!!!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13
Established Member
thel222
Posts: 15
Registered: ‎12-27-2012

Re: From 650 to 797 in exactly one month!

Thanks everyone!  Heard from the Nissan dealer today and was approved by both Nissan and Wells Fargo - something I never thought possible a month ago.  Well Fargo had the better rate, so I'll be going with them. Still not a SUPER rate, but one I can live with, all things considered.  After I settle everything with the car (tomorrow!!), my plan is to apply for one more cc, then garden for a while.  Not sure which card to go for - any suggestions??


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+