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Last Negative Removed!

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DrJim
Frequent Contributor

Last Negative Removed!

Earlier this week I pulled my scores shown below.  My TU and EQ both had one settled account from long ago  I filed an online dispute on TU and it was removed the next day.  I filed with EQ yesterday and woke up this morning to learn that it was removed as well.

 

My EQ is the only report with inquiries - two will hit one year next week.  After that I will pull TU and EQ for new scores.  Very excited to see if I can get one or both up near EX, or at least over 760.

 

The almost four year journey is over and well worth it.  Thanks to all the Fico team folks who made it possible!



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 1 of 14
13 REPLIES 13
Krystie1984
Established Member

Re: Last Negative Removed!

Way to go Smiley Happy One day I hope to be in your shoes Smiley Happy


Starting Score: 530
Current Score: 684
Goal Score: 700


Take the myFICO Fitness Challenge

Message 2 of 14
DrJim
Frequent Contributor

Re: Last Negative Removed!

Wow Krystie you're doing great.  Up 100 points!



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 3 of 14
LIGHTNIN
Senior Contributor

Re: Last Negative Removed!

Wow DrJim,

 

That must be a wonderful feeling!Smiley Wink Job well done!!

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Message 4 of 14
CM1
Valued Member

Re: Last Negative Removed!

Congrats, that is definitely a wonderful feeling

Message 5 of 14
DaBears
Senior Contributor

Re: Last Negative Removed!

Way to go DrJim!!! Happy dance!!!

 

 

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Message 6 of 14
kroberts67
Established Contributor

Re: Last Negative Removed!

Nice!!  What a feeling!!  Smiley Very Happy

FICO: EQ 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey
Message 7 of 14
Shogun
Moderator Emeritus

Re: Last Negative Removed!

Nice job Doc.   Smiley Happy

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.
Message 8 of 14
rebuildingmission2013
Contributor

Re: Last Negative Removed!

Grats Dr. Jim,

 

Your credit sounds nearly perfect, I suspect you'll make your 760 goal across the board. 

Message 9 of 14
DrJim
Frequent Contributor

Re: Last Negative Removed!

While I know it is a FAKO my Credit Karma jumped 44 points to a 752 with this deletion.



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 10 of 14
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