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Established Contributor
Lasardo
Posts: 605
Registered: ‎04-26-2012

Re: I hit 734!

Ok so I had one last item on my credit report for a library debt $253.00.
I have disputed and disputed without prevailing.. They even said my disputes were frivolous and would not respond to any future disputes, it had 1 more year to remain on my report but I am not paying it, I do not recognize it.. Well I just opened my mail and opened my Experian report, it's gone!
I looked up my new credit score., I gained 10 points so I am 744!
I love you guys, thanks RobertEG for all your help btw..
CS 728- 01/13 from 554-12/11
Goal: 800
Contributor
newhouse2013
Posts: 93
Registered: ‎12-31-2012

Re: I hit 734!

Congrats!!! I cant wait to post my success story, hopefully in the next few months. :smileytongue:


Lasardo wrote:
You guys are awesome!
I love this website.
In 1 year I went from 554-734, 27 items 3 judgments removed.
Thanks all.

 


Starting Score: 529
Current Score: EQF 635, TU 655 EXP (FAKO) 630
Goal Score: 701


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Moderator
Shogun
Posts: 7,372
Registered: ‎04-15-2011

Re: I hit 734!

744?  Even better!!!  760+ by the end of the year!


Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge
Regular Contributor
sassymomof2
Posts: 246
Registered: ‎04-16-2011

Re: I hit 734!

Wow! Congrats!  :smileyvery-happy:


Bronze Spade
Starting Fico Feb 2011 EQ 570 TU 580 EX ?
Jan 2013 EQ 672 EX 695 TU98- 649
Apr 13 EQ 696
Closed on first home April 26, 2012!
Last app March 10, 2013 Gardening until next Spring.
Contributor
maluba
Posts: 134
Registered: ‎12-16-2012

Re: I hit 734!

Question? What is credit builder?




Starting Score: 588
Current Score: 610
Goal Score: 650


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Regular Contributor
proudnavymom
Posts: 217
Registered: ‎11-29-2008

Re: I hit 734!

Congratulations!

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 2/28/13 FICO 607 EQ 4/25/13 FICO 617 EX?
Goal Scores 700 across the board
Regular Contributor
dabrian
Posts: 174
Registered: ‎12-10-2012

Re: I hit 734!

Congrats!
Moderator
Shogun
Posts: 7,372
Registered: ‎04-15-2011

Re: I hit 734!


maluba wrote:

Question? What is credit builder?


That's where you have money in an account and borrow against your own money.  It's like a secured loan that will give you a positive TL on your CR.


Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge
Established Contributor
Lasardo
Posts: 605
Registered: ‎04-26-2012

Re: I hit 734!

Getting inquiries removed:

I have the letters using permissible purpose provisions of the FCRA
If you want them let me know
They are great letters and I have gotten 6 removed
CS 728- 01/13 from 554-12/11
Goal: 800
Established Contributor
Lasardo
Posts: 605
Registered: ‎04-26-2012

Re: I hit 734!

A credit builder is listed as an installment loan in your credit report
CS 728- 01/13 from 554-12/11
Goal: 800

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