09-16-2013 07:24 AM
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.
10-01-2013 05:36 AM
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.
11-06-2013 06:04 AM
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
11-06-2013 10:52 AM
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?
11-20-2013 05:12 AM
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.
11-26-2013 05:27 AM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.