cancel
Showing results for 
Search instead for 
Did you mean: 

My Progress!

tag
Anonymous
Not applicable

My Progress!

In October of 2014 I had a score of 590. I was not worried about it before that as I never needed to buy anything. Well I knew that eventually I would want to buy a house. So i made it my Mission to improve. All I done was pay the bad old off which was not that much. My bad credit was due to more lack there off with little bad. I got a Credit card that had a annual fee. I never used it. I also got a secured load from my credit union. 

 

Then it started to happen. 

NOV 14=593

DEC 14= 622 When i paid off the bad I had which was one credit card and a old light bill

JAN 16 = 624

FEB 16= 636

MAR = 638

APR = 670 ( that one card that I never used got a limit increse to 1500)

MAY = 673 (bought wife a car in my Name)

JUN = 670 

JUL= 664

AUG = 664

SEP= 666

OCT= 667

NOV= 676

DEC=670

FEB=671

MAR= 678

APR= 680

MAY= 714

JUN= 727 (now buying a house and getting a 3.65% interset rate. Could not be happier) 

I have 6% credit useage and working on continuing to build)

Message 1 of 7
6 REPLIES 6
RonM21
Valued Contributor

Re: My Progress!

Well done and congrats to you on the success! Great to see!


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 2 of 7
creditlady43
Regular Contributor

Re: My Progress!

Congrats!



Navy Fed Sig. Visa ($27,500)|BlueGreen Encore Rewards ($10,000)|CapitalOne ($6,950)|Discover ($1,000)
Starting Equifax Score: 520 (5/2014) - Current Score: 726
Starting Transunion Score: 613 (5/2014) - Current Score: 733
Starting Experian: 595 - Current Score: 742
Message 3 of 7
Anonymous
Not applicable

Re: My Progress!

Congrats on the good scores I bet it feels good

Message 4 of 7
Anonymous
Not applicable

Re: My Progress!

It does lift a weight off the shoulders. I dont plan on using the credit much but its nice to know its there when needed. I do get to sign on our house tommorow at 3:30 then i guess i will have debt again haha

 

Message 5 of 7
Anonymous
Not applicable

Re: My Progress!


@Anonymous wrote:

It does lift a weight off the shoulders. I dont plan on using the credit much but its nice to know its there when needed. I do get to sign on our house tommorow at 3:30 then i guess i will have debt again haha

 


Congrats on that Smiley Happy well it will feel good to get something nice and pay for it but it will be good in the end. I am hoping to get a VA loan here in March-April 2017. 

Message 6 of 7
surferchris
Valued Contributor

Re: My Progress!

Congrats!

Current Cards:
AmEx Hilton Honors Surpass//AmEx Platinum Card//Ann Taylor Rewards Mastercard//Capital One Platinum Card//Credit One AmEx//Credit One Platinum VISA//Fingerhut//Navy More Rewards AmEx//TruWest Platinum VISA//Aspire VISA//Costco Anywhere VISA//Lowes Advantage//Apple Card
Loans:
1 Mortgage/////Navy FCU Auto Loan (2020 Jaguar I-Pace)//Capital One Auto (2016 BMW i3)
Next Cards (4th QTR 2022):
Navy Flagship Rewards VISA//Chase Sapphire Preferred
Stats:
Scores: 700's // Inq's: 1 for mortgage // Util: 1% // AoOA: 21 yrs

Message 7 of 7
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.