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Madmann26's rebuild thread

Regular Contributor

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: 4/2/15 TU 661; EQ 617; ; EX FICO 631
Goal Score: 700






Message 91 of 167
Valued Contributor

Re: Madmann26's rebuild thread

Great work!

 

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

Message 92 of 167
Valued Contributor

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.
Scores: about 700 across the board
Total CL: $275k
Message 93 of 167
Valued Contributor

Re: Madmann26's rebuild thread

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. Smiley Happy

 

 

 

Scores: about 700 across the board
Total CL: $275k
Message 94 of 167
Highlighted
Valued Contributor

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.

 

Scores: about 700 across the board
Total CL: $275k
Message 95 of 167
Valued Contributor

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
Scores: about 700 across the board
Total CL: $275k
Message 96 of 167
Valued Contributor

Re: Madmann26's rebuild thread

I pulled my Exp score and it's up to 676. So close to 700, so close.
Scores: about 700 across the board
Total CL: $275k
Message 97 of 167
Frequent Contributor

Re: Madmann26's rebuild thread

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

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Message 98 of 167
Regular Contributor

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.

 

2013 Feb EQ: 550 | 2017 Feb EQ: 722

Message 99 of 167
Valued Contributor

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.

Scores: about 700 across the board
Total CL: $275k
Message 100 of 167