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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Update:

 

My 2 CO's are now paid. I am waiting for them to update.

 

After a few setbacks while trying to get back into the rebuilding game with CC's, I have my first one enroute. I'll be an AU on my wife's Cap1 card.

 

It gets discouraging when you have certain goals in mind or want to do something and keep getting pushed back. Just keep your head up and strive to move forward.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Update:

 

I've just apped for the NFCU Secured Card. I will starting out with a $500 limit and will be getting that line increased to $2k by December.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Navy Federal Love,

 

 1 of 4
FRM:CCNotifications@navyfederal.org
SUBJ:NFCU Update
MSG:Your credit card has been approved! Thanks for choosing Navy Federal,

 

10/04/2012Classic Secured VisaCC8YRPWXT7CW

Approved


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Well.

Was sitting here watching tv and a got an email about a score change. I log in and see a +38 point increase. This is because of a balance update to 2 charge-offs. Though, one of them is still wrong but I'll take it.

At one point my FICO score dipped to 511 but had been at 517 for a couple of weeks.

Thanks to everyone for the encouragement.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Established Contributor
Posts: 568
Registered: ‎08-24-2012
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Re: Madmann26's rebuild thread

Congrats on the increase!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Established Member
Posts: 21
Registered: ‎07-01-2012
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Re: Madmann26's rebuild thread

Madmann,

 

The CO's that you paid on, were they reporting the balance as past due balance from the OC? Im hoping to see an increase to my scores also from paying my last CO that shows past due or delinquent. Some have said that paying a CO will not affect scores?

Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

The CO balance is being factored into your utilization which is killing your score, as it was mine.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Moderator
Posts: 13,869
Registered: ‎04-15-2011
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Re: Madmann26's rebuild thread

Looking good!  Keep it going!



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+
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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!
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

I just pulled my TU FICO and it's up to 564. I would really like to break the 600 mark my the first of the year but I don't know if that will happen. I'll just keep plugging away.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Stallings Financial CA is gone. That's worth 12 FAKO points.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
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