Established Contributor
Posts: 905
Registered: ‎07-25-2008

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: 443
Registered: ‎12-05-2012

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

Re: I hit 734!


Regular Contributor
Posts: 224
Registered: ‎12-11-2012

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

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! :smileyhappy:

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: 568
Registered: ‎12-27-2012

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

Re: I hit 734!

Congrats!!  I'm still working my tail off :smileyhappy:

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: 749
Registered: ‎04-26-2012

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: 749
Registered: ‎04-26-2012

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: 2,789
Registered: ‎10-10-2012

Re: I hit 734!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13

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