Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 210
Registered: ‎09-17-2007
0

Re: Posting my Journey

Update

 

Current Fico TU 659 EQ 500 EX unknown its been frozen for 4 or more years

 

New Approvals

 

Walmart $600

Amazon $400

 

PFD

 

Design Solutions - Paid they just deleted this week. They actually told me they would delete since I made a good faith effert to resolve the account. 

RJM- just got the Letter today accepting my offer of 20% will mail the check next week.

 

TU Deletions

 

1 LNVN Still had 1 account verified. I hate this company they are evil. I can almost gaurentee they are the reason my EQ fico is so low with the way they repoort

2 Midland Still have 2 reporting and they are killing my EQ Fico

3 Walmart

 

 

Current Credit Cards

 

Barclays $1700 $520 balance Opended 1/2013

Cap One Secured $ 200 $0 Balance Opened 10/2008

Cap One Secured $ 725 $ 0 Balance Opened 08/2010

Cap One Secure $525 $0 Balance Opened 12/2011

Walmart $600 $113 Balance Opened 02/2013

Amazon $400 $0 Balance Opened 02/2013

FingerHut $200 $0 Balance Opened 11/2012

 

Total $4350 Balance $630 Util 14%

 


Starting Score: 433
Current Score: 700
Goal Score: 750


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 355
Registered: ‎01-16-2013
0

Re: Posting my Journey

You are making great progress, keep it up!



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 777, myFICO TU: 789, myFICO EX: 787
My Wallet: NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 06/08/15
Frequent Contributor
Posts: 446
Registered: ‎12-05-2012
0

Re: Posting my Journey

U r making great progress! Very iimpressive! 

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
Highlighted
Regular Contributor
Posts: 210
Registered: ‎09-17-2007
0

Re: Posting my Journey

[ Edited ]

Thanks for the positive comments.

 

Quick update.

 

Disputed Macys as obsolete on EX and Macys Deleted from all 3. Never had that happen before.

 

TU FAKO went for 669 to 721.


Starting Score: 433
Current Score: 700
Goal Score: 750


Take the FICO Fitness Challenge
Moderator
Posts: 14,034
Registered: ‎04-15-2011
0

Re: Posting my Journey

Very nice!

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!
Regular Contributor
Posts: 210
Registered: ‎09-17-2007
0

Re: Posting my Journey

UPDATE.

 

 

NEW CREDIT

 

Trdeded in my 2010 Honda Accord that was with Santander at 25.99% and Bought a 2013 Chevy Equinox with Ally at 8.9% Scored PRIME Tier B.

SAMS Club $800

 

Deletion

 

2 Repos From HONDA Financial were deleted from EX this morning. Had to call Experian I had a report that Showed March 2013 deletion but for some reason they had June 2013 on their system. The very nice agent wasn't sure why the date had changed but she redisputed it yesterday and it was deleted over night.

 

Current FICO Scores TU 660 EQ 530 EX 588


Starting Score: 433
Current Score: 700
Goal Score: 750


Take the FICO Fitness Challenge
Regular Contributor
Posts: 210
Registered: ‎09-17-2007
0

Re: Posting my Journey

[ Edited ]

Another Update

 

Had 1 collection deleted from TU. TU is still my strongest report by a long shot. IMO they are the easiest and are more proatcive in deleting items that are due to fall off. I almost for got my Federal Tax Lien in the amount $17,500 updated to Paid and released Smiley Surprised

 

 

NEW TU FICO 670. 

 

 


Starting Score: 433
Current Score: 700
Goal Score: 750


Take the FICO Fitness Challenge
Moderator
Posts: 14,034
Registered: ‎04-15-2011
0

Re: Posting my Journey

Getting close to that 700 mark!   Congrats!

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!
Regular Contributor
Posts: 210
Registered: ‎09-17-2007
0

Re: Posting my Journey

Thanks Shotgun!!... I really want the Discover IT...But I know I would never get approved at this point.


Starting Score: 433
Current Score: 700
Goal Score: 750


Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.