I've been rebuilding my credit since last year and my FICO was previously 609 before I started cleaning it up. I applied for a Cap1 secured card last Feb and got another offer for a Cap1 platinum shortly after. After disputing a number of accounts I was able to pull my score up to 685 by last September. I've been gardening the last half year and wanted to wait until February to start my app spree. I received a promotion in the email from MyFICO for 20% off credit score checks from TU and EQ so I decided to give it a try before I applied anywhere. To my surprise my score jumped up to 745 on TU! Now I'm just waiting for my accounts to report for the month of January because I paid them down and I'm going to go shop for atleast 3 new accounts. Wish me luck!
Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Wow! Happy Dance!
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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I posted a feeler a couple weeks ago on which card I should apply for next: http://ficoforums.myfico.com/t5/Credit-Cards/Decid
I came to the conclusion that I wanted a Citi and possibly an Amazon or Walmart Discover but after receiving my new score I'm confident to apply for an AMEX (possibly in store at Costco) and probably a Barclays card and the Amazon/Walmart Discover.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
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