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Low 500s to 635

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yudeology101
Senior Contributor

Re: Low 500s to 635

WTG congrats on your successful rebuilding journey!  It only gets better from now, keep up the good work!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
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Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 11 of 14
joeyoey
Frequent Contributor

Re: Low 500s to 635

You'll be there before you know it.  I think what surprised me was that even though I had the cards & was doing like I was supposed to, I wasn't expecting things to go so well "so" fast.  The last two reports I pulled have really cheered me up to the possibility that within a year or two (hopefully a year, lol) I can have a "real" credit card & not one that's secured.  Another thing you can try is getting a store card using the "shopping card trick".  I just did that last week and I'm anxious to use it, pay it off & then see what kind of results I get from that.

 

Good luck to you! Smiley Very Happy



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3

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Message 12 of 14
r3buildit
Member

Re: Low 500s to 635

Congrats!! Keep up the great work! 

Starting score: EX 474 EQ 480 TU 525 January 2012
Current Score: EX 684 EQ 659 TU 661 March 2014
Goal: 700 across the board
Capital One QuickSilver $2000//Capital One Journey $500//Walmart $900//Childrens Place $750//Paypal $1000
Message 13 of 14
r3buildit
Member

Re: Low 500s to 635


@rookie26 wrote:

Congratulations!  I am just starting off at 540 Smiley Sad with a similar situation, most of my baddies are acccurate.  Just got my second secured cc, and I've been debt free for 6 months.  Hopefully I'm where you are in 12 months

 

 

Dont worry! Secured cards do wonders to your credit when used correctly! Good luck on your journey!!

 

Starting score: EX 474 EQ 480 TU 525 January 2012
Current Score: EX 684 EQ 659 TU 661 March 2014
Goal: 700 across the board
Capital One QuickSilver $2000//Capital One Journey $500//Walmart $900//Childrens Place $750//Paypal $1000
Message 14 of 14
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