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I hit 734!

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Lasardo
Established Contributor

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
Message 21 of 34
newhouse2013
Regular Contributor

Re: I hit 734!

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


@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 643, TU 677 EXP 631,Lender Pulled Aug 2, 2013 EX 665, TU 664 and EQF 643
Goal Score: 701



Take the myFICO Fitness Challenge
Message 22 of 34
Shogun
Moderator Emeritus

Re: I hit 734!

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

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 23 of 34
sassymomof2
Frequent Contributor

Re: I hit 734!

Wow! Congrats!  Smiley Very Happy


Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 24 of 34
maluba
Regular Contributor

Re: I hit 734!

Question? What is credit builder?




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


Take the myFICO Fitness Challenge
Message 25 of 34
proudnavymom
Regular Contributor

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 10/19/2018 FICO 671 EQ 12/21/2018 FICO 614 EX 5/31/2014 FICO 658
Goal Scores 700 across the board
Message 26 of 34
dabrian
Frequent Contributor

Re: I hit 734!

Congrats!
NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Message 27 of 34
Shogun
Moderator Emeritus

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
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 28 of 34
Lasardo
Established Contributor

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
Message 29 of 34
Lasardo
Established Contributor

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
Message 30 of 34
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