Reply
Contributor
Posts: 78
Registered: ‎01-06-2013
0

Pulled TU and FICO jumped to 745 from 609 in one year!

[ Edited ]

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: 609
Current Score: EX: 723 (08/18), TU: 741 (08/15), EQ: 695(08/15)
Goal Score: 785


Take the myFICO Fitness Challenge
Established Contributor
Posts: 700
Registered: ‎08-13-2011
0

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

Great Job! Best wishes in your search for new and better cards.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 713 Equifax 686 Experian 671

Goal Score: 700 across the board


Take the FICO Fitness Challenge
Regular Contributor
Posts: 180
Registered: ‎12-08-2012
0

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

Wow that's a nice score!! You shouldn't have any problems getting approved as long as you have all your ducks in a row! Good luck.

Amex BCP 12,500 - Amazon Chase Signature 10,000 - Discover It 9,000 - Walmart MC 7,500 - Citi Diamond 6,100 - Lowe's 6,000 - Fulton 6,000 - Amazon Store Card 2,000
Regular Contributor
Posts: 164
Registered: ‎06-06-2011
0

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

That's awesome!! I hope to have the same good luck!!

Moderator
Posts: 13,761
Registered: ‎04-15-2011
0

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

Wow!  Happy Dance!



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: 190
Registered: ‎11-27-2011
0

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

congrats on the score increase......best of luck


Starting Score:Equifax 543
Current Score:EQ665 TU 663 EXP625 updated 12/6/2014
Goal Score: 650


Take the myFICO Fitness Challenge
Established Member
Posts: 11
Registered: ‎03-07-2011
0

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

Awesome!  Congrats!!!!

Contributor
Posts: 78
Registered: ‎01-06-2013
0

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

Thanks Everyone!  It definitely took a lot of work but hard work does pay off.  I've been monitoring my credit weekly and doing everything necessary to get all the blemishes off so I'm so relieved that it all worked out.  

 

 


Starting Score: 609
Current Score: EX: 723 (08/18), TU: 741 (08/15), EQ: 695(08/15)
Goal Score: 785


Take the myFICO Fitness Challenge
Contributor
Posts: 78
Registered: ‎01-06-2013
0

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

I posted a feeler a couple weeks ago on which card I should apply for next: http://ficoforums.myfico.com/t5/Credit-Cards/Deciding-on-3rd-credit-card-of-rebuild-process/m-p/1792...

 

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. 


Starting Score: 609
Current Score: EX: 723 (08/18), TU: 741 (08/15), EQ: 695(08/15)
Goal Score: 785


Take the myFICO Fitness Challenge
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Pulled TU and FICO jumped to 745 from 609 in one year!

Congrats on your great progress, keep up the good work!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
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 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.

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.