01/2015, no FICO score. Thin file. Pulled "PLUS" scores from Experian triple alert. All scores sub 590.
02/2015, purchased used vehicle with financing from a local CU, 5878.32 was financed $2100.00 was used as a down payment.
02/2015 sent $100.00 to Cap One for a secured card with a balance of $300.00. used monthly to pay car insurance $294.37 and paid off the next day.
07/2015 checked plus scores, waste of time btw, EX 632, TU 641, EQ 644. Cap One card raises balance to $500.00 without me asking.
07/2015 Applied for a Lowes card to recieve savings on the purchase of a washer, approved for $300.00.
08/2015 Applied for another "Cap One" unsecured card availible to union members, Union Plus Cap One MC. Approved for $300.00
08/2015 took out personal loan from my CU to pay off some bills and pay for car repairs, was approved with a score of 648 according to the loan officer. $2000.00
02/2016 UP Cap One MC raises CL to 500.00. Lowes Balance is 0 of 300, Cap One Secured balance 32.00 of 500, UP Cap One balance 40.00 of 500, 1 late payment in 10/2015 on car loan. Tip: Never put something in the mail with no stamp. $2000.00 PL was paid off on 2/3/2016 still shows as open and reports to TU and EX as revolving, reports as installment on EQ.
Pulled the FICO 3B report today and scores as follows.
FICO 8: EQ 694, TU 636, EX 663 kind of disappointed but it's a work in progress I guess. I was suprised my mortgage scores were so low considering that is the whole reason I started down this road in the first place. 621, 612, 606 in the previously mentioned order.
A lot of what helped me get from no score to my scores pulled today was information from this community. I lurked, read, and took notes.
Keep posting good information for people, this community does shed a lot of light in what can be a murky subject and is a great tool for those repairing or just startig out.
Thank you all that post here to help others out, I'm so many like me really appreciate it.
