Reply
Valued Contributor
madmann26
Posts: 1,421
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Just got approved for my 2nd NFCU CC.

I'll take a hit for this but it's worth IMO.

I'm freezing my credit reports tomorrow.

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: 1,421
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

I ended up only freezing my EQ report since it has taken the brunt of the inquiries.

 

Last night, on a whim, I applied for the Amazon store card and was approved for $1200. It's a GEMB card, so I hoping it will grow nicely.

 

 


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: 1,421
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

So my EQ score is coming up, slowly. I was stuck at 641 for months. Now it is at 663.

 

I challenged First Premier's reporting of an old account. They showed that I made a payment, when in fact I did not. I downloaded several bank statements, redacted certain personal information and sent them a DD with the accompying documentation.

 

There were a few emails that went back and forth and they ultimately said that I inputed in the incorrect bank information for the payment, so I called BS on them, filed a complaint with the CFPB, who then referred it to someone else, I forget who exactly.

 

While looking over my daily pull from myprivacymatters.com (powered by TrueCredit, aka, TU), I noticed that I had fewer accounts with a derogatory history and started comparing that to an older report.

 

In short, the First Premier account is gone from all 3 reports. I call that a win and I'll take it.

 

 


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: 1,421
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

SW alert for my EQ - up to 672 now.

 

 


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: 1,421
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Update:

 

I noticed that during my daily True Credit pull, the final CA dropped off my EXP report. I refreshed the score and it's up to 685 now. I also paid my balance on my NFCU card which was $4k ($18k limit) which should push me over 700 when it updates. /crossesfingers


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
Member
cjulie
Posts: 10
Registered: ‎11-06-2013
0

Re: Madmann26's rebuild thread

I just wanted to say I'm on a journey to rebuild my credit & you're truly an inspiration. I will be pulling my report shortly, can you suggest any key points/1st steps for someone just starting out?

Current scores 11/9/13

EQ: 591-FICO REPORT
EXP: 574-FAKO
TU: 590-FAKO



Goal: 725
Valued Contributor
madmann26
Posts: 1,421
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Update:

 

Paying off that $4k balance on my NFCU Siggy card hasn't netted the increase that I hoped it would. I haven't gained a single point from dropping my utilization from 20% to around 1-3%.

 

This is frustrating to say the least but I am hanging on and hoping for the best when the 1st of the month rolls around.

 

 


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: 1,421
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Update:

 

Got some early morning NFCU love. So far no hard pull for this.

 

On my 2nd NFCU CC, I started with a $1k CL. I haven't used the card at all since I have gotten it and flirted with the luv button last night and got the 3-5 day message after asking for $8k (total CL).

 

I just logged into my account and see that they bumped me to $5k. I'll take it. :smileyvery-happy:

 

/chuckle

 

 


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: 1,421
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Got a SW alert for a score change.

EQ is up to 677.


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: 1,421
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Update

 

Almost made it to 700! Almost. :smileyvery-happy:

 

2014-01-06 10_50_29.png


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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+