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Moderator
Posts: 13,897
Registered: ‎04-15-2011
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January TU08 score

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Up 5 points to 764!   Happy Dance!

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+
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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!
Regular Contributor
Posts: 127
Registered: ‎07-09-2012
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Re: January TU08 score

Congrats! You've come a long way in such a short amount of time.

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: January TU08 score

My hats off you, that's some great progress! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
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Regular Contributor
Posts: 153
Registered: ‎10-03-2012
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Re: January TU08 score

NICE!
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Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: January TU08 score

Nice work! Hope to be in the 700's before to much longer myself

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5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Regular Contributor
Posts: 230
Registered: ‎09-22-2012
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Re: January TU08 score

[ Edited ]

 

+10 to 644. Shogun, what happened in there where you got that huge jump? Wow!


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


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Moderator
Posts: 13,897
Registered: ‎04-15-2011
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Re: January TU08 score

Nice job Repo!  @jandj80 I got my report completely clean.  I had a couple COs that I cleaned up and a late.

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!
Regular Contributor
Posts: 230
Registered: ‎09-22-2012
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Re: January TU08 score

Well that is a heck of a jump Shogun. Kinda makes me sad though, we have more baddies than you did... so it is likely that we are approaching the top end of the spectrum. I have 2 medical collections left (are not going anywhere, I have tried it all), a paid judgement (attorney won't vacate) and our 06 BK7 that won't fall off until Jan 2016. There were a couple 30 day lates from 3+ years ago, and that is it for baddies left. I am guessing mid 600s will be the end of the road until those things age off. To be honest, I can live with that though. Staring at 400s was a harsh reality, so a 650 to me is golden. I am very happy with where I am now!! 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Moderator
Posts: 13,897
Registered: ‎04-15-2011
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Re: January TU08 score

The 30 day lates aren't hurting you anymore.  The 2 collections and judgement are still affecting it some.  I'd just make a note every couple of months to send a GW to them, maybe it will hit someone right one time.  Also, have you researched their postings?  Anything hinky?

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!
Member
Posts: 9
Registered: ‎10-03-2012
0

Re: January TU08 score

Great job Shogun. You give hope for  us all.

 

Starting Score: 523- 9/24/12 FICO
Current Score: 609-4/05/13 FICO
Goal Score: 650


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