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Established Contributor
Posts: 754
Registered: ‎04-26-2012
0

I hit 734!

You guys are awesome!
I love this website.
In 1 year I went from 554-734, 27 items 3 judgments removed.
Thanks all.
CS 728- 01/13 from 554-12/11
Goal: 800
Valued Contributor
Posts: 1,146
Registered: ‎11-30-2012
0

Re: I hit 734!

Wow that's really really good! Congrats!

 

How were you able to remove so much? Aged off or...?

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: I hit 734!

Slacker -  you should had been 750 by now :smileyhappy:



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Regular Contributor
Posts: 170
Registered: ‎12-02-2012
0

Re: I hit 734!

Please share how you accomplished this! its AMAZING!



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Established Contributor
Posts: 754
Registered: ‎04-26-2012
0

Re: I hit 734!

I worked my tail off, I now have 3 4 1/2 in binders full if statements and letters. Stay organized.
I did not pay any other than 5, the others I disputed something, address account number, anything I could find that was incorrect. Usually the creditor didn't respond and it was deleted.
The majority of my bills were medical so I wrote sympathetic letters to the OC directly and advised situation, disabled, no income, unemployed. .. They asked for proof and I sent it in.
Used the HIPPAA process on some.
The judgments I wrote letters to the courts (speeding tickets)
I did a couple PFD
The rest I either did a PFD or I PIF and asked to delete.
At one point I used LL but realized very quickly I could do what they did so dumped them BUT they really helped with judgments.
Did several GW letters to remove 6 inquiry's.

I utilized this website every single step off the way..
CS 728- 01/13 from 554-12/11
Goal: 800
Regular Contributor
Posts: 170
Registered: ‎12-02-2012
0

Re: I hit 734!

wow congrats to you... Im on a mission :smileyhappy:



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Established Contributor
Posts: 754
Registered: ‎04-26-2012
0

Re: I hit 734!

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.
CS 728- 01/13 from 554-12/11
Goal: 800
Regular Contributor
Posts: 142
Registered: ‎12-16-2012
0

Re: I hit 734!

You're my hero! Congrats!




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


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Senior Contributor
Posts: 4,189
Registered: ‎03-24-2008
0

Re: I hit 734!

Lasardo, Congrats to YOU! ! !

 

Now it's time to do the myFICO  Boogie. Let's all DANCE,dancing 2.gif with Lasardo!!

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Moderator
Posts: 13,772
Registered: ‎04-15-2011
0

Re: I hit 734!

Most excellent!



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!
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