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On my Way to 600's Club

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creditstalker
Frequent Contributor

On my Way to 600's Club

Just got an update

 

Paid charge off collection update for Capital Bank $162.00

 

Equifax 537 ~ 04/03/2015 (+2pts)

Transunion 589 ~ Updated 04/01/2015 (+11pts)

Experian 556 ~ Updated 03/29/2015 (no update)

 

Still waiting on:

Navient ~ Remove all late payments

Navy CU ~ Paid off credit cards w/zero Balance (cards were overlimit/ paid off)

Commonwealth ~ PFD

Allied ~ PFD

Transtar CU ~ Paid Collection

Houston CU ~ Update Loan Status from Charge off to open account

Centerpoint Energy ~ PFD

 

Hopefully this will put me in the 600 club!!!!

 

Current FICO 08 as of 06/01/2015 TU 648 EQ 624 EX 602
FICO Mortgage Scores TU 594 EQ 540 EX 642

Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: On my Way to 600's Club

Congratulations! I just got to 591 on TU. Can't wait to be in the 600s.

Message 2 of 11
creditstalker
Frequent Contributor

Re: On my Way to 600's Club

Congrats!!!

 

Just when I thought my Transunion score went up 11points....it just went down 6pts in SAME DAY.

 

Transunion is now 583.....weird

Current FICO 08 as of 06/01/2015 TU 648 EQ 624 EX 602
FICO Mortgage Scores TU 594 EQ 540 EX 642

Message 3 of 11
alienfico
Frequent Contributor

Re: On my Way to 600's Club

Congrats on the increase.  

 

What do you attribute the decrease to?  MyFico can be very fickle, and there is no predictability at times.  

Starting: TU:515, EX:521, EQ:528
Current: TU:700 EX:706 EQ:674
FICO Goal: 725
Cap1 Venture $11,000AU, First Progress $500, Cap1 QS $1750, FH$600, Open Sky $300, Cap1 $500, BestBuy $1500 Target $1800
Message 4 of 11
gdale6
Moderator Emeritus

Re: On my Way to 600's Club

Grats on your score increases good job Smiley Happy

Message 5 of 11
Rebuilding69
Established Contributor

Re: On my Way to 600's Club

Congrats! I'm just now dipping my nose in the low 600's as well!




Message 6 of 11
Anonymous
Not applicable

Re: On my Way to 600's Club


@creditstalker wrote:

Just got an update

 

Paid charge off collection update for Capital Bank $162.00

 

Equifax 537 ~ 04/03/2015 (+2pts)

Transunion 589 ~ Updated 04/01/2015 (+11pts)

Experian 556 ~ Updated 03/29/2015 (no update)

 

Still waiting on:

Navient ~ Remove all late payments

Navy CU ~ Paid off credit cards w/zero Balance (cards were overlimit/ paid off)

Commonwealth ~ PFD

Allied ~ PFD

Transtar CU ~ Paid Collection

Houston CU ~ Update Loan Status from Charge off to open account

Centerpoint Energy ~ PFD

 

Hopefully this will put me in the 600 club!!!!

 


Wow, that's great - congratulations! And, once the other PFDs come off, you'll be off to the races. Smiley Happy

Message 7 of 11
Anonymous
Not applicable

Re: On my Way to 600's Club


@creditstalker wrote:

Just got an update

 

Paid charge off collection update for Capital Bank $162.00

 

Equifax 537 ~ 04/03/2015 (+2pts)

Transunion 589 ~ Updated 04/01/2015 (+11pts)

Experian 556 ~ Updated 03/29/2015 (no update)

 

Still waiting on:

Navient ~ Remove all late payments

Navy CU ~ Paid off credit cards w/zero Balance (cards were overlimit/ paid off)

Commonwealth ~ PFD

Allied ~ PFD

Transtar CU ~ Paid Collection

Houston CU ~ Update Loan Status from Charge off to open account

Centerpoint Energy ~ PFD

 

Hopefully this will put me in the 600 club!!!!

 


Great job!

How did you get the lates from Navient removed?

Message 8 of 11
creditstalker
Frequent Contributor

Re: On my Way to 600's Club

 

I was in school at the time, and it should have been in school derferment status

Current FICO 08 as of 06/01/2015 TU 648 EQ 624 EX 602
FICO Mortgage Scores TU 594 EQ 540 EX 642

Message 9 of 11
creditstalker
Frequent Contributor

Re: On my Way to 600's Club

It didn't specify what attributed to the decrease.....The Increase and decrease all happened within one hour's time.

Current FICO 08 as of 06/01/2015 TU 648 EQ 624 EX 602
FICO Mortgage Scores TU 594 EQ 540 EX 642

Message 10 of 11
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