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Happy Dance RIIIGHT HERE!

Established Contributor

Happy Dance RIIIGHT HERE!

NO ONE BURST MY BUBBLE, CAPISH?!  I checked my Experian site report, (YES I KNOW, FAKO) BUT, it increased 69 points, yes, 69!!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 1 of 9
8 REPLIES
Established Member

Re: Happy Dance RIIIGHT HERE!

WTG!

Current lines: Chase Freedom $500 l Walmart Store $600 l Orchard bank $320 l First Premier $300 l First Premier (2) $300 l Capital One Secured $320 l Fingerhut Store $700 l Kay Jewelers $1200 l Navy Federal Visa Signature $6000


Starting Score: 7/12: EFX: 581 EXP: 611
Current Score: EFX: 609
Goal Score: 650 by end of the year

Message 2 of 9
Highlighted
Regular Contributor

Re: Happy Dance RIIIGHT HERE!

That's awesome!

February 2012: 480 across the board (before I found this site and started working on my scores)
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Starting Scores: TU FAKO: 543 (06/16/2012) EX FAKO: 547 (06/16/2012) EQ FAKO: 528 (06/16/2012)
Current Scores:TU FICO: 639 (11/20/2012) EQ FICO: 617 (11/20/2012)
TU FAKO: 606 (8/30/2012) EX FAKO: 574 (09/04/2012) EQ FAKO: 564 (09/30/2012)
Message 3 of 9
Moderator Emeritus

Re: Happy Dance RIIIGHT HERE!

Not gonna ruin your happy dance,   I'm just gonna crank the music!    Congrats!

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 4 of 9
Regular Contributor

Re: Happy Dance RIIIGHT HERE!

Congrats!!!!!


Starting Score: 7/12 545 EX (PSECU)
Current Score: 689 EX (PSECU) / EQ 697 / TU 703
Goal Score: 750

Take the FICO Fitness Challenge
Message 5 of 9
Established Contributor

Re: Happy Dance RIIIGHT HERE!

HEHEHEHE!! Thank you all!!! I know it itsn't much, but it was my lowest score. it had dropped from 584 to 572 earlier this month, and then jumped to 641. Smiley Happy Of course as I have learned from you guys, that is probably waaaaaaaaay off from what the actual FICO score is, BUT, I can happily dwell in the possibilities! LOL!

The thing is, on that site, I can not tell at all what it was that caused the increase. Nothing is removed, the one and only thing I'm disputing is still showing, and like I said yesterday, it doesn't show on the report that it is being disputed. And the card that I've been added to isn't showing either. Any ideas?

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 6 of 9
Established Contributor

Re: Happy Dance RIIIGHT HERE!

Let me correct myself!!! I just pulled it up again, and it now says, " You have no accounts in collections."  YAY!!! I.C Systems removed that bogus Cox collection of $40.00!!!  

But would one collection that was listed from 2007 bump me 69 points?!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 7 of 9
Moderator Emeritus

Re: Happy Dance RIIIGHT HERE!

Was that your last baddie?  If so,, then yes!

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 8 of 9
Established Contributor

Re: Happy Dance RIIIGHT HERE!

The last ugly collection on EX,yes!! Now, the only other yucky stuff it the 2 PAID(lol, wanna stress that) chargeoffs that the mean old bank only added comments to when I asked them to update it to PAID vs the BAD DEBT/COLLECTIONS they still had listed!  I just love how they put, "Paid-was a charge-off". Hatefull folks!

 

ANYWAYS, I think you agreed with me that I should let them sit since one says date opened(does that matter?) in 2005, and the other 2006, until we secure the mortgage?

 

So, while I wait for this week to pass and hope to see a positive outcome for the last dipsute on EQ,( i know, ive beat a dead horse to death!) and then hopefully apply for the mortgage!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 9 of 9