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I turned 15 this month!

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sassymomof2
Frequent Contributor

I turned 15 this month!

My oldest account turned 15 years old this month. I got a score bump of 9 points on EQ which has been historically my lowest bureau score. I am now at a 623. Almost 40 points since August. Woohoo!!

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 1 of 9
8 REPLIES 8
FinanceGuy007
New Contributor

Re: I turned 15 this month!

Congratulations!!!  I wish I had an account that old.  Things truely get better with time.  Rome wasnt built in a day.  Keep up the good work.


Starting Score 12/29/2010: 475 EQ FICO
Current Score: 585 EQ FICO (10/10/11) 583 TU FICO (10/24/2011) 598 EX FICO (10/10/11)
Goal Score 12/29/2011: 600


Take the FICO Fitness Challenge
Message 2 of 9
MissMia75
Frequent Contributor

Re: I turned 15 this month!

WooHooooo!!!! Rack up  those points lady...

Smiley Happy


Starting Score: 06/2011 505 EX 523 Lender Pulled
Current Score: 08/2011 628 EX 575 Lender Pulled
11/14/2011 TU 584

Goal Score: 700


Take the FICO Fitness Challenge
***Closed on my home 05/18/2012***


Message 3 of 9
bruiseviolet
Frequent Contributor

Re: I turned 15 this month!

Awesome!!!!!!!!!!!!!!  Got me wondering when my oldest account is from?  Did you just go by the "You have been on our files since 07/1997"  ??????

Message 4 of 9
sassymomof2
Frequent Contributor

Re: I turned 15 this month!

@bruiseviolet I have SW through EQ & pull my EQ report directly through their site. It lists your oldest account by name/ mo/yr. ,and gives you your Aaoa. I didn't realize it would affect me because the account was closed a while back. I was pleasantly surprised.

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 5 of 9
bruiseviolet
Frequent Contributor

Re: I turned 15 this month!


@sassymomof2 wrote:
@bruiseviolet I have SW through EQ & pull my EQ report directly through their site. It lists your oldest account by name/ mo/yr. ,and gives you your Aaoa. I didn't realize it would affect me because the account was closed a while back. I was pleasantly surprised.

Ty.  Upon looking further the oldest reporting "good" account of mine is my student loan from 2007-  so it's not the same as if it had been reporting since 1997. LOL  I WISH!  LOL  Congrats to you though- what an amazing score increase =)

Message 6 of 9
CS800
Super Contributor

Re: I turned 15 this month!

Way to go, hang in there. The road to recovery can be long. Every single point counts. I cherish even a 2 points bump Smiley Happy




Message 7 of 9
dharalex
Established Contributor

Re: I turned 15 this month!

Congratulations! This time next year, you will be in a sweet place! Keep up the good work!


Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760


Take the FICO Fitness Challenge







Current Score: 800
Goal Score: 850

Take the FICO Fitness Challenge
Message 8 of 9
sassymomof2
Frequent Contributor

Re: I turned 15 this month!

Thanks! I sure hope so. I just sent my last round of GW letters yesterday. I pray no more zombie debt appears in the next 6 months.

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 9 of 9
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