Hello Everyone,
My goal is to have a 700 credit score for EX and TU by 1/2014 and Im currently at 612 and 566 EQ with 11,110 in revolving credit. Just looking for some friendly advice on how I can reach my goal
Starting Score: 556 EQ/ 612 TU
First off, you can change your name. Now I'm hungry!!!! Lol
Tell us what baddies you have and we will try to help you with them.
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.
3 paid collections
2 paid public judgements, but one is not showing as paid, only as civil judgement
1 60 day late payment 11/11
2 30 day late payment 7/11 and 7/12
2 120 late payment pre 12/10
It's entirely possible. I just hit the 700 club this month and I am so HAPPY! It's a great feeling to see all your hard work finally pay off. The best advice I can give it to just keep at it. I started keeping a spreadsheet of every account I had and made notes as I progessed on issues. I also included a section to track my scores and another to pay down balances and track utilization. I listed each account, the limit, the balance, the utilization and the last day I updated it. Whenever I pay down more, I update it so i can always have a clear picture. Whenever you get the urge to max out a card or give up, refer to your spreadsheet! I'm still plugging away on my last couple of items but when I do the score estimator and see that my score could soon be in the 800's, I get butterflies! Good luck to you!
Starting Score: 608 EQ (FICO) 8/11/11