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Scores are up

Frequent Contributor

Scores are up

So after a long year and mayb 9 months, I am up from about 590 and 600 to 670 for tu and eq!! AND, most of my baddies are falling off in 8 months, so then I will be over 700! It took a little longer than other people, but I hve a BK, a collection and a tax lien.

Message 1 of 9
8 REPLIES
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Regular Contributor

Re: Scores are up

Great job!! Have you done anything else to help improve your score? For example, pay down debts or GW?

Message 2 of 9
Frequent Contributor

Re: Scores are up

Yeah, I got a lien removed,, got a scecured card then another then regular cards then an installment loan. And I kept util at 7%.

Message 3 of 9
Valued Contributor

Re: Scores are up

Nice job, Congrats! Keep it up. Smiley Happy


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 9
Frequent Contributor

Re: Scores are up

Way to go I hope i can report the same in a year.

Message 5 of 9
Frequent Contributor

Re: Scores are up

Yeah, after BK, it is NOT just time. I wasted three years thinking time would heal it. You have to get new credit and keet it at 10%. Not bad though, 670 after a year and a half. I see people do that in a month, but I don;t think they had a bk and tax lien and 8 baddies.

Message 6 of 9
Frequent Contributor

Re: Scores are up

Yeah I do not have a bk just had a few charges offs and got way behind on student loans. But I have been rehabing them so in a few months they will no longer be in default.

Message 7 of 9
Moderator Emeritus

Re: Scores are up

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 8 of 9
Established Contributor

Re: Scores are up

Congrats

Message 9 of 9