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One year ago my lowest score was 383 and it just hit 600 today. All my scores are now in the 600's Last week i closed on my new home. Thanks myfico for all the wonderfull advice.
Wow...that is so good. I'm curious to know what did you do to bring you score up that quick.
Congrats, aroyal!!!!!! You must feel like a million bucks!!!!!!!
I'm curious as well on how they accomplished this. This is great!
Painfully curious as well!!
Congrats on that! I'm also very curious how you had that turnaround!
That's AWESOME! Congratulations on your new FICO and your new home!!
To raise the score i had 9 collections removed either from dropping offf or goodwill letters so now i only have two left that are a couple of years old.
I had a judgement removed. but i still have bk on my report and a paid judgement.
I had 4 cc's 3 were close to 100% and one was over 100%. I took the util down to 9 %, then up a little then back down. I also added another card that raised my score.
The card that was over 100% i had the overlimit fees and late fees goodwilled (credited) back to my account. That took it under 100% to begin with. It was a cap 1 card. I have not had a late pay in over a year...
Credit card util was the major mover for my scores in my opinion..
It was a long process but the scores eventually went up.
Awesome job. Its good to see people everyday making a difference and proving it can be done. You will hit your goal of the 700 club in no time.
who were ur ca's? for example asset acceptance, midland ... would like to know who u had success with.