Reply
Contributor
Posts: 91
Registered: ‎03-26-2013
0

Progress, Thanks to you guys

[ Edited ]

I started working on my credit on 3/20 and read these forums daily. I applied what I learned from here and I finally went from no fico to 658.

 

My fakos:

EX 578 on 3/20/13 - Now 685
EQ 602 on 3/20/13 - Now 688
TU 591 on 3/20/13 - Now 666

 

Just wanted to thank everyone who contributes to these forums. My goal is 700 by next month, so wish me luck.

 

I also have some fed tax liens to do a payment plan, and hopefully get the rest of them off my reports soon.

 

Wanting to apply for a credit card, but not sure if the tax liens will hurt me, even if my score qualifies. I am an authorized user on 2 accounts with 0 lates and about 23% utilization at the moment.

Community Leader
Senior Contributor
Posts: 26,694
Registered: ‎02-07-2013
0

Re: Progress, Thanks to you guys


xecutech wrote:

I started working on my credit on 3/20 and read these forums daily. I applied what I learned from here and I finally went from no fico to 658.

 

My fakos:

EX 578 on 3/20/13 - Now 685
EQ 602 on 3/20/13 - Now 688
TU 591 on 3/20/13 - Now 666

 

Just wanted to thank everyone who contributes to these forums. My goal is 700 by next month, so wish me luck.

 

I also have some fed tax liens to do a payment plan, and hopefully get the rest of them off my reports soon.

 

Wanting to apply for a credit card, but not sure if the tax liens will hurt me, even if my score qualifies. I am an authorized user on 2 accounts with 0 lates and about 23% utilization at the moment.


You're off to a great start if you can establish a payment plan for tax liens you may qualify for the fresh start program and get them removed from your CR.

That would truly help your scores and CR

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Contributor
Posts: 91
Registered: ‎03-26-2013
0

Re: Progress, Thanks to you guys

Yep, contacting them this afternoon to confirm the balances and then off to the fresh start program.

 

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.