One of those "Thank You" posts

Jutz · ‎01-02-2013

So back in May, I decided I really needed to figure out this whole credit thing, because I was sick of driving a crappy car. Well today I was approved for an auto loan through DCU, who informed me over the phone that my EQ FICO was 660. I'm going to the dealership on Saturday, and hoping to leave with a new to me Audi S4 (i.e. Used). Obviously this could not have been done if I never found this website. Literally none of it. There's no chance I would have had the motivation to improve my score as rapidly as I did, there's no way I would have found the strategies needed to do it, there's no way I would even know what DCU was if it wasn't for this forum, and I've been to a concert in the DCU Center!!

In addition to the DCU membership and auto loan (5.49% by the way, details in the Auto Loan section) I was also preapproved for the DCU Visa, at $2k limit (Not amazingly high considering NFCU initial CL, but still). This is now my first card that's not a rebuilder, and one that should grow to pretty big limits in the future.

So basically,

Really lookin' forward to the weekend, you guys.

Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014

Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000

Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL

hoping2rebuild · ‎01-02-2013

Big Congrats that's wonderful

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards

NICKI183 · ‎01-02-2013

That is a whopper of a success! You did your work and it paid off...Congrats!!

Starting Score: 555/567/570- Aug 2017 (TU)646 (EQ) 626, (EX) 635-Goa 750l: UPDATE 2021 (TU) 623, (EQ) 584, (EXP) 598 Current VISA-MC-Amex Credit Cards |NFCU-CashReward-$2k|USSA Visa- $500lAmex USAA-secured Merrick-$1,900ll Amex Delta Sky Miles- $1k
, |Nordstrom-$2100|Neiman Marcus-$700|Credit One Bank $850/$500 / Capital One Journey $700/ Capital One Quicksilver One $1650/Target $600/KohlsStore $300/Personal Loans $14k
Garden Until 2/2022 removing all 18 collection baddies and decrease UTILto less than 5%

space10 · ‎01-02-2013

Congratulations! I hope to be able to get a car loan soon as well!

Shogun · ‎01-02-2013

Nice job Jutz! You're doing a great job!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Epcot · ‎01-02-2013

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841

sphinx313 · ‎01-02-2013

Congrats Jutz! I need to look into DCU myself and start building a relationship there.

Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700

Take the FICO Fitness Challenge

NewbieReed · ‎01-02-2013

Congrats!! Great job!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge

Cadillac-XTS · ‎01-02-2013

Congrats

Jutz · ‎01-03-2013

Thanks all. Considering apping for a Green Card before I hit the garden for another 6 months or so. I need a better system for gas and travel expenses because I get reimbursed, but I really am not organized about it.

I'm going to wait for the new DCU accounts to show up (Maybe not the auto, since I may not even close on it this weekend) as well as the two inquiries to hit EQ. I'm pretty sure AMEX won't hit EQ anyway.

Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014

Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000

Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL