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I don't need to pull TU, I don't need to pull TU..I CAN wait...

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awdsmama
Established Contributor

I don't need to pull TU, I don't need to pull TU..I CAN wait...

If I repeat that enough maybe I will avoid the itch to pull my TU FICO on here?

 

My quarterly monitoring should give me new score/report on 2/10 (or 2/11 since weekend?)....

 

But I noticed on CK a collection I just paid is gone so I REALLLLLY want to know my score  ;-)

 

I can wait, I can wait, I can wait.

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 1 of 11
10 REPLIES 10
Mondavi
Regular Contributor

Re: I don't need to pull TU, I don't need to pull TU.I CAN wait...

While it is always nice to see your score go up. Pulling the TU from here really will not do all that much. Sure you get a FICO score but the version used here is not used by most lenders. My TU 98 here vs TU 04 used by lenders was 18 points difference.  Still if you have the money to use, then for sure pull it and be hopefully happy with a good increase. Congrats on getting a collection removed!

On a side note incase you did not know. The EQ score from here will match lenders scores.

Message 2 of 11
starry1
Valued Contributor

Re: I don't need to pull TU, I don't need to pull TU.I CAN wait...

I'm having the same problem holding on to my willpower. I had a big fako jump after a deletion and a correction and I'm trying REALLY hard not to to pull a myfico TU. I'm trying to wait for my free update, which is March some time.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 3 of 11
racer-x
Valued Contributor

Re: I don't need to pull TU, I don't need to pull TU.I CAN wait...

Just pull it already, the both of yas...$14 bux is worth a good nights' sleep.

Message 4 of 11
Repo-ed
Senior Contributor

Re: I don't need to pull TU, I don't need to pull TU.I CAN wait...

Or just app for the walmart card, and get your free TU score.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 5 of 11
awdsmama
Established Contributor

Re: I don't need to pull TU, I don't need to pull TU.I CAN wait...


@Repo-ed wrote:

Or just app for the walmart card, and get your free TU score.


I app'd on 12/12 and was denied :-(   Interestingly WM pulled Ex and Tu and denied me on my EX (that's the burueau they cited in the letter anyway).   My reports are already a LOT cleaner but now I'm gunshy.

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 6 of 11
awdsmama
Established Contributor

Re: I don't need to pull TU, I don't need to pull TU.I CAN wait...


@racer-x wrote:

Just pull it already, the both of yas...$14 bux is worth a good nights' sleep.



Okay okay I did it LOL.   Thanks for the enabling.  It showed me my 35 pt jump!

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 7 of 11
Shogun
Moderator Emeritus

Re: I don't need to pull TU, I don't need to pull TU.I CAN wait...

Oh yeah!!!!

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 11
awdsmama
Established Contributor

Re: I don't need to pull TU, I don't need to pull TU.I CAN wait...

I'm sooo excited over this. 

 

I have 2 CAs left on TU and one of them ages off in February and the other I'm in the middle of GW'ing.  That CA deleted 2 others already so I expect this one to be gone soon too. 

 

And next month my last remaining 3 lates will be at the 2yr mark. 

 

This feels good.

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 9 of 11
racer-x
Valued Contributor

Re: I don't need to pull TU, I don't need to pull TU.I CAN wait...

Sweet!!!  I'll push anybody off the fence!

 

Keep up the good work.

Message 10 of 11
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