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January TU08 score

Moderator Emeritus

January TU08 score

ficoChart.jpg

 

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+
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!

June 2017 update: All scores over 820, just pure gardening now.
25 REPLIES
Regular Contributor

Re: January TU08 score

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

Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Highlighted
Regular Contributor

Re: January TU08 score

NICE!
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Valued Contributor

Re: January TU08 score

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

ficoChart.jpg

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Regular Contributor

Re: January TU08 score

 

+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 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Regular Contributor

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 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Member

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


Take the FICO Fitness Challenge