In may of this year I had decided I wanted to move out of my parents home. I thought about getting a an apartment but started researching homes. I had a bankruptcy discharged almost two years ago and thought why not? So I applied for a home through chase and quicken, I was denied by both and reached out to quicken to see why, they said it was that my 2 years hadn't passed and my scores were in the 500s, plus my tradelines weren't old enough. I spoke to my mothers LO who told me that what really mattered was the score and bankruptcy qualifications which I was months away from achievement. So I went to work. I joined this site and experian's site and watched my credit like a hawk. It because my second job. I wrote GW letters and had two collections come off. I went through my credit because if you had a bk there bound to be errors. I was able to correct those things and my scores went up about 30 points. Finally I paid down a lot of my credit cards to about 33% utilization. I was then at a max score of 677 when my max score before was 598! Although I didn't get my home due to my screwed up tax returns(a whole other story ) I am proud that I was able to do this much from the advice on this site. No worries ill be back at it next year and can't wait to get my house!!!! You guys will hit your goals just don't give up !
Beginning:Explus 630 eq 573 tu 593 Current: EXplus:677 Eq 642 TU 727 Goal: Explus 700 eq 700 tu 800
That's exactly why we're here. To fix the wrong. I'm so happy for you!
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.