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From below 500 to 758 in less than 2 years

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n0smirc
Regular Contributor

From below 500 to 758 in less than 2 years

Seriously guys, all this hard work you're putting in, IT'S TOTALLY WORTH IT! 

 

I was in tears and fearful how I could even rent an apartment less than 2 years ago with a just below 500 fico score, and these days, Well, check it out.

 

 

Completely possible, and I followed advice here, put in the long research hours and contacted people and became real with myself about my past debt. 

 

All 3 of my scores are around the same now (mid 700's) and I was able to buy a new home at the end of February, it's been great! The home has been great for my family and the little one is roaming all around the house (as well as her big sis), and we have a real place to call home now. 

Message 1 of 14
13 REPLIES 13
myjourney
Super Contributor

Re: From below 500 to 758 in less than 2 years

I love reading success stories and yours is a good one for you and the family 

Congrats 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 14
CreditHealthy
Established Contributor

Re: From below 500 to 758 in less than 2 years

Congrats!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013
Message 3 of 14
lavencedora
Frequent Contributor

Re: From below 500 to 758 in less than 2 years

I LOVE to see this! Congratulations! Yes, the hard work does pay off!!!


Starting Score: TU 490 on 11/2012
Current Score:6/16/15:EQ 714, EX 704, TU 702 (all from myFICO)
New Goal Score: 740+ for all three
Message 4 of 14
gldn83
Member

Re: From below 500 to 758 in less than 2 years

That is awesome!

Message 5 of 14
Shogun
Moderator Emeritus

Re: From below 500 to 758 in less than 2 years

naoplean dance.gif

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 14
alvon123
Super Contributor

Re: From below 500 to 758 in less than 2 years

Nice job!!!


Message 7 of 14
imovinup
Regular Contributor

Re: From below 500 to 758 in less than 2 years

wow great work




Starting Score: 5/30/13 TU 630; EQ618: EX PLUS639
Current Score: 4/2/15 TU 661; EQ 617; ; EX FICO 631
Goal Score: 700






Message 8 of 14
AFreshStart
Regular Contributor

Re: From below 500 to 758 in less than 2 years

Congratulations to you and your family!

Starting Scores Nov 17: 581(EQ) 571(TU) 563(EX)
Cap One VentureOne 5k, Discover 2k, Amex Delta Gold 1k, Amex SPG 1k, Capital One 500,
Message 9 of 14
alextercero
Super Contributor

Re: From below 500 to 758 in less than 2 years

Congras Great Job

Current Credit Cards


Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)


Credit Age:

Inquiries:

Message 10 of 14
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