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Contributor
kiasmith1974
Posts: 93
Registered: ‎10-10-2012
0

More rebuild success!

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

 

 

 

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 :smileyhappy:

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
Contributor
Mama-j
Posts: 84
Registered: ‎12-07-2012
0

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: 7/2/2013: EQ 712, TU FICO 702, EX 716(CU pulled).
Goal Score: 750 all across.

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Contributor
kiasmith1974
Posts: 93
Registered: ‎10-10-2012
0

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
Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
0

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: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


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Valued Contributor
madmann26
Posts: 1,442
Registered: ‎08-30-2012
0

Re: More rebuild success!

Congrats!!!


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.
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My Journey
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

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 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: More rebuild success!

Congrats

Frequent Contributor
racer-x
Posts: 377
Registered: ‎09-16-2012
0

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!!


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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