OMG 600 Club

Eyisila · ‎04-04-2014

Mild success as of today!! YAY!!

My DH and I refinanced our auto loan through NFCU yesterday. I was ready for a ScoreWatch alert for an inquiry. It came today. Not surprising, but what was, was that with that alert came a score change.

I got an 8 point jump from 598 to 606!! WOW!

Of course with ScoreWatch it only tells me that there was a new inquiry (expected) but doesn't tell me what happened to cause the increase. I am working on my credit and repair/rebuilding but nothing has actually happened yet so to speak, so I dunno but I'm not arguing!.

With that I believe I am officially in the 600 club!!!!

EQ ScoreWatch 606, EX pulled from MyFico 3/30 2014 636, and TU pulled from MyFico 2/2014 644.

On another note, anyone know what might have caused the jump? Nothing is scheduled to fall off in at least 5 months, no deletions pending (yet), no new accounts except for the re-fi, utilization the same maybe a little more actually than when it was 598.

Finally, I apologize for the longer type post, I want to thank everyone for the assistance in me and my DH getting on the track to better days!!

coldnmn · ‎04-04-2014

Congrats on your success! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

gdale6 · ‎04-04-2014

Grats to your continued success

alvon123 · ‎04-04-2014

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

Eyisila · ‎04-04-2014

Thank you everyone!

lesse · ‎04-05-2014

Congrats !!!

START (FICO): 1/28/2013 EQ: 499 EX: 558 TU: 536
Lender Pull:
UPDATED SCORE 10/2015: EX: 763 TU: 709 EQ: 720

GOAL 800 Across the board
Wallet:Credit One $600; NFCU (secured- Changed to unsecured) $7500; NFCU (Unsecured)$500- increase to $12,500 BOA: $1000 Home Depot/Lowes $800 each Childrens Place $350 Sams Club $800
Garden Time

PrettyGyrl · ‎04-05-2014

Congrats! I remember joining the 600 club. Keep moving forward & stay positive...it will pay off.

Started from the bottom, now I'm here: 4/20/15: EX-674 TU 704 EQ-677
TU-Clean...EQ & EX-1 Paid Collections & 1 Judgement
T minus 4 months until Operation EE!!
Goal: 750 Across the board! AMEX Approved! Living in the Garden

myjourney · ‎04-05-2014

Congrats

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

Shelly313 · ‎04-05-2014

That's wonderful news! Keep it up

Started Gardening 4/3/2014

Current Score: (04/2014) EX: 629 I TU: 650 I EQ: 654

In my Wallet:
Barclays NFL: $2000 I VS: $700 I Discover: $1600 I AU: Amex ED $2000

OneDay_750 · ‎04-05-2014

Congrats to you and your husband! WTG.

CURRENT SCORES: EQ: 628 (12/14/14); TU: 628 (12/10/14); EX: 636 (12/13/14)--All myFICO
STARTING myFICO EQ SCORE:: 507 (11/2013); GOAL SCORE: 700--(All CRAs); GARDENING SINCE: 10/5/14
NFCU cashRewards Signature Visa: $5K CL @ 16.65%