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Established Contributor
Posts: 759
Registered: ‎04-26-2012
0

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
Regular Contributor
Posts: 244
Registered: ‎12-31-2012
0

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



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Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

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!
Frequent Contributor
Posts: 280
Registered: ‎04-16-2011
0

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!!!
Regular Contributor
Posts: 144
Registered: ‎12-16-2012
0

Re: I hit 734!

Question? What is credit builder?




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


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Regular Contributor
Posts: 240
Registered: ‎11-29-2008
0

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 5/31/2014 FICO 671 EQ 7/5/14 FICO 667 EX 5/31/2014 658 FICO
Goal Scores 700 across the board
Frequent Contributor
Posts: 403
Registered: ‎12-10-2012
0

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
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

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!
Established Contributor
Posts: 759
Registered: ‎04-26-2012
0

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
Posts: 759
Registered: ‎04-26-2012
0

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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