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Regular Contributor
imovinup
Posts: 130
Registered: ‎05-13-2011
0

Re: Madmann26's rebuild thread

Awesome journey I just read your whole thread it gets me excited to keep pushing. It hard getting out of the low 600's but when you know what you have to do and don't do it and you can you only have yourself to blame.... I can't wait for you to break 700




Starting Score: 5/30/13 TU 630; EQ618: EX PLUS639
Current Score: 7/02/13 TU 643; EQ 651; EX PLUS 665; EX FICO 613
Goal Score: 700






Established Contributor
sjt
Posts: 662
Registered: ‎05-05-2010
0

Re: Madmann26's rebuild thread

Great work!

 

When did you get your Navy Siggy and did they start you off with $10K?

Valued Contributor
madmann26
Posts: 1,424
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

I first had a cash rewards card with a 3k limit. At the beginning of April I took a HP for a 1k increase.

The last week of April I did a series of SP's which got me up to 10k at which time I PC'd it to a Siggy.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
madmann26
Posts: 1,424
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

[ Edited ]

Just got approved for the Chase Freedom with a $500 limit. It was initially declined but I had the nice lady take a 2nd look. :smileyhappy:

 

 

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
madmann26
Posts: 1,424
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

I don't know **bleep** happened with my TU score but it jumped 29 points this month. Last month it was 642 and this month it's 671. I'll take it.

 

This is the Walmart TU monthly update.

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
madmann26
Posts: 1,424
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Its been a while since I posted and I figured I would add an update.


Last month I flirted with NFCU's love button. Asked for 20k and was countered with 16k. This is up from 10k. I've had the card less than a year.

Last night I flirted with Walmart's love button and went from 500 to 950. Just a few minutes ago I flirted with the button again and went from 950 to 1450. Almost triple my original limit since yesterday and I've only used the card 2x.

Keep pressing forward everyone. Rebuilding takes time and most of all, patience.

-mm

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
madmann26
Posts: 1,424
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

I pulled my Exp score and it's up to 676. So close to 700, so close.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Frequent Contributor
Kratos-TM
Posts: 429
Registered: ‎05-23-2013
0

Re: Madmann26's rebuild thread

[ Edited ]

You are really committed just like I was when I started my credit build. I just finished my goal this month. :smileyhappy: Keep up the good work!

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Regular Contributor
burghpa
Posts: 165
Registered: ‎07-31-2013
0

Re: Madmann26's rebuild thread


madmann26 wrote:
I pulled my Exp score and it's up to 676. So close to 700, so close.

You are so close. Congrats on your journey, so far looking good. My goal is to join 700 club soon too.

 

July 2014 ScoreMarch 2013 Score222222
720550      $8900                 $6500                 $4500                 $2000                 $1500                 $5000/$900                  
Valued Contributor
madmann26
Posts: 1,424
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

I'll get to 700, then I'll set a new goal. Alot of this is time/age on the new accounts. I do leave a modest balance on my NFCU card just (about 3k right now) just so that Fico sees utilization across the board and then the payments.

 

In a couple of months, I'll hit the love button on my NFCU card again and see what happens.

 

Thanks everyone, this site really is the best there is when it comes to helping ones self with credit issues.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey

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