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Posting my Journey

Regular Contributor

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
Message 21 of 29
Frequent Contributor

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: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 22 of 29
Frequent Contributor

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
Message 23 of 29
Highlighted
Regular Contributor

Re: Posting my Journey

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
Message 24 of 29
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 25 of 29
Regular Contributor

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
Message 26 of 29
Regular Contributor

Re: Posting my Journey

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
Message 27 of 29
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 28 of 29
Regular Contributor

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
Message 29 of 29