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Low score of 383 just hit 600 Thanks myfico

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aroyal
New Contributor

Low score of 383 just hit 600 Thanks myfico

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.


Starting Score: eq 383tu 417
Current Score: eq 577tu 609
Goal Score: 700


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Message 1 of 14
13 REPLIES 13
srjjames
Valued Member

Re: Low score of 383 just hit 600 Thanks myfico

Wow...that is so good.  I'm curious to know what did you do to bring you score up that quick.

 

Message 2 of 14
fused
Moderator Emeritus

Re: Low score of 383 just hit 600 Thanks myfico

Congrats, aroyal!!!!!! You must feel like a million bucks!!!!!!!Smiley Happy

Message 3 of 14
Anonymous
Not applicable

us as wel Re: Low score of 383 just hit 600 Thanks myfico

I'm curious as well on how they accomplished this. This is great! Smiley Happy

Message 4 of 14
happy0510
Established Contributor

Re: Low score of 383 just hit 600 Thanks myfico

Painfully curious as well!!


Starting Score: 615
Current Score: 709
Goal Score: 750


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Message 5 of 14
Anonymous
Not applicable

Re: Low score of 383 just hit 600 Thanks myfico

Congrats on that!  I'm also very curious how you had that turnaround!

Message 6 of 14
Anonymous
Not applicable

Re: Low score of 383 just hit 600 Thanks myfico

That's AWESOME!  Congratulations on your new FICO and your new home!!

Message 7 of 14
aroyal
New Contributor

Re: Low score of 383 just hit 600 Thanks myfico

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. 


Starting Score: eq 383tu 417
Current Score: eq 577tu 609
Goal Score: 700


Take the FICO Fitness Challenge
Message 8 of 14
Travis-84
Regular Contributor

Re: Low score of 383 just hit 600 Thanks myfico

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.

Message 9 of 14
Anonymous
Not applicable

Re: Low score of 383 just hit 600 Thanks myfico

who were ur ca's? for example asset acceptance, midland ... would like to know who u had success with.

Message 10 of 14
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