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More rebuild success!

Contributor

More rebuild success!

Just reduced my utl from %64 to %19 and saw a 20 point increase! 562 to 581 in 1 month Smiley Happy

 

 

 

Now we are cooking with grease!!!

 

 

 

I have a student loan that is in default....I am in a rehab program and my 9th payment is in Feb.....that and 1 collection from First Premier are hurting me the most......I wonder what type of boost I'll get when those go away??

 

 

 

FYI.....i don't think i've ever had better than ok credit.....I'm excited to see where this goes Smiley Happy

Starting FICO 485
Myfico 635 (3/01/14)
EX FAKO 667 EQ 697 Barclaycard TU 707 4/27/14 (yea!)
Mortgage Ready End of 2015
Message 1 of 8
7 REPLIES
Contributor

Re: More rebuild success!

Congrats. I paid down my utl too , just waiting for them to report to CA and very impatiently wating too see what kind of score change I'll get.


Starting Score: 2/22/12: EQ 530, TU 553, EX 528(lender). 12/4/12 (rebuilding starts)= EQ 599.
Current Score: 1/4/16: EQ 743, TU FICO 724, EX 737.
Goal Score: 750 all across.

Take the FICO Fitness Challenge

Message 2 of 8
Contributor

Re: More rebuild success!

Good Luck Mama-j!!!

Starting FICO 485
Myfico 635 (3/01/14)
EX FAKO 667 EQ 697 Barclaycard TU 707 4/27/14 (yea!)
Mortgage Ready End of 2015
Message 3 of 8
Established Contributor

Re: More rebuild success!

I paid my util down as well but it hasn't officially changed on my CR's yet. Congrats on the points and good luck.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 4 of 8
Highlighted
Valued Contributor

Re: More rebuild success!

Congrats!!!

Scores: about 700 across the board
Total CL: $275k
Message 5 of 8
Valued Contributor

Re: More rebuild success!

Very nice, util sure has a big impact on score. Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 6 of 8
Established Contributor

Re: More rebuild success!

Congrats

Message 7 of 8
Valued Contributor

Re: More rebuild success!

Congrats....I too just paid $7500 on a $15K former HSBC account, now Cap One, and am waiting for the updates.

Balance is now $726...I'm expecting a 35 pt increase and will settle for nothing less.  lol.  720's here I come!!

Message 8 of 8