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If I can do it so can you. . .

tag
greent
Frequent Contributor

If I can do it so can you. . .

So I was able to bring my score up from 527 to EX 703, TU 705, EQ 699. I paid for delete one collection. 3 others were removed from my report because they got sold and I was contacted by the new agencies. They offered a settlement and I took it. I didnt want them reporting again. I used to pay late a lot so I have about 38 late payments. Last one was back in August 2014. I' ve been paying on time since Sept 2014. I did open a lot of CCs I figured I needed a lot of on time payments to outweight the late ones. MyFico has me at "good" payment history but my prior lates are still affecting my score. I plan to never go into collections again, always pay on time and keep low balances. I have learned so much from this forum.Thank you to all!!!!

Message 1 of 9
8 REPLIES 8
tweet876
Member

Re: If I can do it so can you. . .

Congrats!
Message 2 of 9
surferchris
Valued Contributor

Re: If I can do it so can you. . .

Congrats on the great progress!

Current Cards:
AmEx Hilton Honors Surpass//AmEx Platinum Card//Ann Taylor Rewards Mastercard//Capital One Platinum Card//Credit One AmEx//Credit One Platinum VISA//Fingerhut//Navy More Rewards AmEx//TruWest Platinum VISA//Aspire VISA//Costco Anywhere VISA//Lowes Advantage//Apple Card
Loans:
1 Mortgage/////Navy FCU Auto Loan (2020 Jaguar I-Pace)//Capital One Auto (2016 BMW i3)
Next Cards (4th QTR 2022):
Navy Flagship Rewards VISA//Chase Sapphire Preferred
Stats:
Scores: 700's // Inq's: 1 for mortgage // Util: 1% // AoOA: 21 yrs

Message 3 of 9
MugenCivicSi83
Frequent Contributor

Re: If I can do it so can you. . .

Congrats!

FICO 8 Scores: EX 706 (11/3/2016) EQ 696 (11/17/16) TU 708 (11/17/2016)

"Use your Credit wisely, don't let it use you!"~Me Smiley Very Happy

Message 4 of 9
Anonymous
Not applicable

Re: If I can do it so can you. . .

Congrats!
Message 5 of 9
Anonymous
Not applicable

Re: If I can do it so can you. . .

Who did you pay for delete a collection? or did you pay it off and then they deleted.

Message 6 of 9
grillandwinemaster
Valued Contributor

Re: If I can do it so can you. . .

Excellent work! Congrats!

 

Do you mind sharing your profile? What cards Do you currently have?


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 7 of 9
Anonymous
Not applicable

Re: If I can do it so can you. . .

Congratulations on your progress, greent, that is awesome!Smiley Happy

Message 8 of 9
leahjs
Member

Re: If I can do it so can you. . .

I have learned a ton from this forum as well. Congrats!

Current Score: EQ: 634, TU: 621, EX: 621

Cap1 QS1: $500 | Cap1 Visa Platinum: $2K
Message 9 of 9
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