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

Contributor

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

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


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Message 1 of 11
10 REPLIES
Established Contributor

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 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 2 of 11
Regular Contributor

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.

Message 3 of 11
Regular Contributor

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

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

Message 4 of 11
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 11
Regular Contributor

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:EQ659 TU 716 EXP677 updated 7/3/2016
Goal Score: 700


Message 6 of 11
Established Member

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

Awesome!  Congrats!!!!

Message 7 of 11
Contributor

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
Message 8 of 11
Contributor

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
Message 9 of 11
Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Message 10 of 11