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Established Contributor
Posts: 905
Registered: ‎07-25-2008
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Re: I hit 734!

Yay Congrats :)

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Frequent Contributor
Posts: 447
Registered: ‎12-05-2012
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Re: I hit 734!

 WoW! Impressive. That is awesome!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: I hit 734!


Regular Contributor
Posts: 226
Registered: ‎12-11-2012
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Re: I hit 734!

Lasardo, how did you GW your inquiries off ? I think I can show some increase on my end by getting some of these deleted (I have 9 on my TU). Did you write to the OC's or the CRA's  and what did you say ?

12/11/12 Starting Score EQ FICO - 583/ TU FICO - 615/
4/1/13 - Lender Pull - TU - 645 EQ - 675 EX 712
Each One - Teach One
Regular Contributor
Posts: 206
Registered: ‎12-20-2012
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Re: I hit 734!

Lasardo wrote:
As far as how I boosted my scores..
Getting the negatives off 1st as stated above but while doing that I opened 2 secured cards and eventually 2 credit cards, I maxed.. Paid in full, maxed, paid in full. I did this every month.
I had no credit history so I became an AU on 2 credit cards with high credit lines, his credit became mine. I gained 45 points this way.
I opened a Credit Builder" gained 34 points from that, I know this because it was closed on accident and credit score dropped 34 points..
There is a lot out there but I think getting good at letter writing, organization and using this website every single step of the way.


LASARDO THIS IS AMAZING! CONGRATS!!!!  Can I ask you two questions?


1. With lots of baddies is it more difficult to get lenders to GW? Or do you just knock them down one at a time until they are all gone.

2. What is a "credit builder?"  Sounds like something that might be helpful to me. 


p.s. why are you still posting in the rebuilding forum? Seems you are fairly well rebuilt! Smiley Happy

Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Established Contributor
Posts: 601
Registered: ‎12-27-2012
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Re: I hit 734!

That's awesome! Gives me much hope. I agree these board are of such great help. Congrats again!

Valued Member
Posts: 32
Registered: ‎05-05-2009
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Re: I hit 734!

Congrats!!  I'm still working my tail off Smiley Happy

Starting Score: 512
Current Score: 651
Goal Score: 700 Club

Take the myFICO Fitness Challenge

4/2012 - EX: 512, TU: 527, EQ: 530
02/13: TU: 628 EQ: 678 EX: 632 (FAKO)
Get in the 700 Club in 2013
Established Contributor
Posts: 763
Registered: ‎04-26-2012
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Re: I hit 734!

I forgot to mention that on medical bills, especially hospitals will waive 85% if not ALL of the debt by sending in proof of income.
I am now on my way to the mortgage portion of myfico.
I got pre-qualified for a loan at 3.125% but I have to watch those Crds, they are very tempting to spend.
Any advise?
CS 728- 01/13 from 554-12/11
Goal: 800
Established Contributor
Posts: 763
Registered: ‎04-26-2012
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Re: I hit 734!

You can send as many GW letters that you want to the OC BUT if you are disputing do that one at a time or 2 at a time any more than that and the credit bureau will flag you as having "frivolous" disputes and not process them so watch that.
Credit builder.-
You'll LOVE this!
I have posted a more detailed explanation of what one is if you look it up on this website but in a nut shell it is something most banks/credit unions are offering now. (I know of some banks)
Basically you put a amount from 1-5k in a CD, as you make on-time consecutive payments they are reported to the credit bureau so for example.. I went with 2k, I pay $87 a month that is withdrawn from my account every month (so I do not miss a payment,) that amount is reported to the credit bureau as I am making payments, at the end if 2 years the 2k is available to me. (You could pull it out sooner with a penalty)
So basically it is a great way to save AND build credit.
Cool huh?
If you have more questions on the credit builder, let me know.
And the answer as to why I am still here?
Bragging rights before I move to mortgages.
CS 728- 01/13 from 554-12/11
Goal: 800
Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
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Re: I hit 734!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
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