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Small Baby Steps are FINALLY Starting to PAY OFF :)

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TM0312
New Contributor

Small Baby Steps are FINALLY Starting to PAY OFF :)

Last summer, when my car of 11 years hit 300,000 miles and died suddenly on me I was forced to go buy a new car.

At the time, I was just beginning to work on repairing my credit and could only get financed through Capital One at an interest rate

of 13.1%....Today, my credit union that I joined in September 2012 called me and offered a refinance offer of 6.1%!!!! Wooohoooo!!!

All my work is FINALLY starting to pay off....I think there may actually be a light at the end of the tunnel Smiley Happy


Starting Score: EQ 546 EX 560 TU 568
Current Score: EQ 703 EX 718 TU 715
Goal Score: 750


Take the FICO Fitness Challenge

Message 1 of 6
5 REPLIES 5
jadeite788
Established Contributor

Re: Small Baby Steps are FINALLY Starting to PAY OFF :)

I take it and run with with.


Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

Take the FICO Fitness Challenge



Message 2 of 6
TM0312
New Contributor

Re: Small Baby Steps are FINALLY Starting to PAY OFF :)

Trust me...I am! .


Starting Score: EQ 546 EX 560 TU 568
Current Score: EQ 703 EX 718 TU 715
Goal Score: 750


Take the FICO Fitness Challenge

Message 3 of 6
Bleety17
Regular Contributor

Re: Small Baby Steps are FINALLY Starting to PAY OFF :)

That's awesome. What is your curret fico score? I'm looking to refinance ASAP! My capital 1 loan is at 16% interest..
USAA Mastercard-$2000 USAA Visa-$2000 USAA SC-$600 NFCU-$12500 Walmart-$3500 BestBuy $1000 Navcheck 3000



Message 4 of 6
TM0312
New Contributor

Re: Small Baby Steps are FINALLY Starting to PAY OFF :)

They pulled TU, My Fico is reading TU at 641, but I'm going to ask her tomorrow what it was reading when they pulled it. It just slipped my mind to ask today when I talked to her.


Starting Score: EQ 546 EX 560 TU 568
Current Score: EQ 703 EX 718 TU 715
Goal Score: 750


Take the FICO Fitness Challenge

Message 5 of 6
jarmll
Established Member

Re: Small Baby Steps are FINALLY Starting to PAY OFF :)

That is awesome. I just started working on my credit last week. Keep up your good work!

Mid 500s across the board as of 10/7/2016
EQ: 543
TU: 540
EX: 520
Message 6 of 6
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