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Super Excited on my score increase.

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SHAI
Regular Contributor

Super Excited on my score increase.

I started to take my credit repair journey seriously this year. When I pulled my TU score is was a low 494 and my EQ was 515 in April 2011 as of today my Tu score is 642 and EQ is 581!!!!!!!!! I have 3 medical collections that will be deleted his week from EQ and I can't wait to see the increase for that. I hope to be 650 across the boards by this time next year so that I can get my dream home.


Starting Score: September/2012 TU-496, EQ-456, EX??
Current Score: April/2013 TU-680, EQ-661,


Goal Score: 700 across the boards

Take the FICO Fitness Challenge
Message 1 of 8
7 REPLIES 7
lovemybabiesx2
Valued Member

Re: Super Excited on my score increase.

wow that's great!  I'm in the 400's myself and it sucks...sent out DVs and PFDs, already got ONE PFD but have to wait til november to pull my credit again (i only do the quarterly pulls =) and we got my student loan in rehab, although wont see a difference until April next year for that one when it gets pulled out of collections! =) seeing your scores really motivated me after having some bad luck today trying to PIF an account! blah!  thanks for sharing!

Equifax: 470 ( Lender 7/11) 548 (USAA-7/10/13

Experian: 493 (Lender 7/11) ) 588-USAA 7/10/13

TU: starting- 461 (Lender 7/11), 553-USAA 7/10/13- 647 (Walmart 7/15/13)
Vantage Score: 678
GOAL: FICO 650-690 by 12/2013
Message 2 of 8
kjm79
Valued Contributor

Re: Super Excited on my score increase.


@SHAI wrote:

I started to take my credit repair journey seriously this year. When I pulled my TU score is was a low 494 and my EQ was 515 in April 2011 as of today my Tu score is 642 and EQ is 581!!!!!!!!! I have 3 medical collections that will be deleted his week from EQ and I can't wait to see the increase for that. I hope to be 650 across the boards by this time next year so that I can get my dream home.


Shai!  That's a wonderful jump!  Just a sughestion...in your signature below, would you be willing to put your starting date with your starting score and current date with current score?  I know it's in your post but sometimes, it helps people to visually see those dates and numbers side by side!  And if you post somewhere else, others will see your success and be motivated to do the same!

 

Thanks for sharing! 


CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16
Message 3 of 8
Anonymous
Not applicable

Re: Super Excited on my score increase.

Congrats!  Smiley Happy

Message 4 of 8
SHAI
Regular Contributor

Re: Super Excited on my score increase.

Sure no problem will do.


Starting Score: September/2012 TU-496, EQ-456, EX??
Current Score: April/2013 TU-680, EQ-661,


Goal Score: 700 across the boards

Take the FICO Fitness Challenge
Message 5 of 8
Anonymous
Not applicable

Re: Super Excited on my score increase.

Congratulations! How did you get 3 medical collections off your record so quickly?

Message 6 of 8
Anonymous
Not applicable

Re: Super Excited on my score increase.

That is some great success!!  Congratulations on your increase!

Message 7 of 8
SHAI
Regular Contributor

Re: Super Excited on my score increase.

The medical collections were from an emergency room visit for me and my 2 children following a car accident. The insurance never paid and they were sent to collections, I finally got in contact with the Insurance company and they sent payment. I then wrote a letter to the collection agency (CFC/Syndicated Office Systems) explaining the situation and they agreed to delete since it was an insurance error. I had other collections removed also which included chase charge-off, comcast, and a sprint account.


Starting Score: September/2012 TU-496, EQ-456, EX??
Current Score: April/2013 TU-680, EQ-661,


Goal Score: 700 across the boards

Take the FICO Fitness Challenge
Message 8 of 8
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