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Sphinx313's Credit Journal. The road to 700!

Frequent Contributor

Re: Sphinx313's Credit Journal. The road to 700!

Awesome job and fantastic thread.
NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Message 41 of 98
Established Contributor

Re: Sphinx313's Credit Journal. The road to 700!

Thanks a lot guys/girls! I am contemplating pulling another report as there have been 2 deletions and some balance changes since then and I'd like to get the full picture but I may wait until January.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


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Message 42 of 98
Valued Contributor

Re: Sphinx313's Credit Journal. The road to 700!

yeah, I didn't wait.  I regret nothing.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 43 of 98
Frequent Contributor

Re: Sphinx313's Credit Journal. The road to 700!

Woo go sphinx, I'm rooting for you bud!
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Message 44 of 98
Established Contributor

Re: Sphinx313's Credit Journal. The road to 700!

7 point bump for no known/listed reason. EQ FICO: 592....I've never been at 600 let alone this close to 600. I may actually tear up when I hit it.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 45 of 98
Frequent Contributor

Re: Sphinx313's Credit Journal. The road to 700!

Lol it happens? It could of just been an aging thing? Happened to me yesterday? Well doesn't matter take it and be proud
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Message 46 of 98
Established Contributor

Re: Sphinx313's Credit Journal. The road to 700!

Love reading about your journey Sphinx, very inspirational!  Smiley Happy  Keep up the great work!



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Message 47 of 98
Established Contributor

Re: Sphinx313's Credit Journal. The road to 700!


pineappledaydreams wrote:
Lol it happens? It could of just been an aging thing? Happened to me yesterday? Well doesn't matter take it and be proud

Yeah it lists 4 potential reasons, one of which is completely impossible, but I am not going to question it lol. Keep the points coming!

 

Thank you electra!



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 48 of 98
Senior Contributor

Re: Sphinx313's Credit Journal. The road to 700!

Great job so far!

 

One odd thing to do along the way a lot of people forget is.... have any/all dispute comments removed. In the long run, you may end up asking a company for goodwill or be applying for a mortgage and dispute comments will not be helpful.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Message 49 of 98
Established Contributor

Re: Sphinx313's Credit Journal. The road to 700!

The only ones I have are directly related to active disputes I have personally made. Once they finish the 30 days the dispute flags should* be removed, but I will definitely remember to double check that!



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 50 of 98