Rebuilding Your Credit

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Established Contributor
madmann26
Posts: 973
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

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‎11-07-2012 04:51 PM

FICO score alert....up to 574.
Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 649 EQ 658 FICO 5/13/2013
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $500; NFCU Siggy $10000; $500 WalMart SC
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Message 31 of 88 (974 Views)
 
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Established Contributor
madmann26
Posts: 973
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

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‎11-07-2012 05:21 PM

That's 63 points since September 18th 2012.
Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 649 EQ 658 FICO 5/13/2013
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $500; NFCU Siggy $10000; $500 WalMart SC
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Message 32 of 88 (966 Views)
 
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Established Contributor
madmann26
Posts: 973
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

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‎11-11-2012 12:42 PM

myFico alert just a few minutes ago:

Up to 590 from 574.

That's 79 points since September 18 2012.
Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 649 EQ 658 FICO 5/13/2013
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $500; NFCU Siggy $10000; $500 WalMart SC
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Message 33 of 88 (926 Views)
 
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Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012

Re: Madmann26's rebuild thread

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‎11-11-2012 05:56 PM

Great job!!

Message 34 of 88 (906 Views)
 
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Established Contributor
madmann26
Posts: 973
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

[ Edited ]
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‎11-12-2012 06:25 AM - edited ‎11-12-2012 06:26 AM

Here is the myFico score history:

 

myFico score history

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 649 EQ 658 FICO 5/13/2013
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $500; NFCU Siggy $10000; $500 WalMart SC
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Message 35 of 88 (871 Views)
 
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Established Contributor
madmann26
Posts: 973
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

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‎11-13-2012 05:21 AM

Hunter Warfield - paid CA - gone! My EQ FAKO went up 9 points.

 

2 CA left.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 649 EQ 658 FICO 5/13/2013
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $500; NFCU Siggy $10000; $500 WalMart SC
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Message 36 of 88 (837 Views)
 
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Established Contributor
madmann26
Posts: 973
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

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‎11-15-2012 05:16 AM

Cap1 is now reporting. It took 2 statements for them to report. Currently reporting 8% utilization between 2 cards. I should see a nice bump in score now.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 649 EQ 658 FICO 5/13/2013
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $500; NFCU Siggy $10000; $500 WalMart SC
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Message 37 of 88 (784 Views)
 
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Valued Contributor
Repo-ed
Posts: 2,602
Registered: ‎02-09-2012

Re: Madmann26's rebuild thread

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‎11-15-2012 05:31 AM

nice work!

Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700
Take the myFICO Fitness Challenge
Message 38 of 88 (779 Views)
 
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Established Contributor
madmann26
Posts: 973
Registered: ‎08-30-2012

Re: Madmann26's rebuild thread

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‎11-15-2012 10:42 AM

I just pulled my TU from myFico and I am up to 619!!

 

I'm so stoked right now.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 649 EQ 658 FICO 5/13/2013
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $500; NFCU Siggy $10000; $500 WalMart SC
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Message 39 of 88 (749 Views)
 
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Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012

Re: Madmann26's rebuild thread

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‎11-15-2012 12:43 PM

Congrats madman I'm starting at same spot you started at (low 500's) opened a open sky secured cc 3 months ago, applied bank secured $200 this month and $1000 secured personal loan for 36 months with my credit union. I also just sent out DV letters to bout 6 CA agency yesterday and 623 to Macy's and first premier bank and auto loan creditor. Hopefully I can achieve fast results like u have! Cheers!

Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
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