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Established Member
Edk83
Posts: 19
Registered: ‎11-07-2012

Thank you all! Huge score boost

Thank you all here for your advice. I was on 623, now on 735!!! Delighted, thanks to myfico! Got the one collection deleted and got a secured card from cap1

Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

Re: Thank you all! Huge score boost

Congrats!

 

Movin' on up!!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13
Established Contributor
electra
Posts: 573
Registered: ‎10-21-2012

Re: Thank you all! Huge score boost

Congrats!! HUGE improvement!  Was that in just a little over a month??



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


Take the FICO Fitness Challenge
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Thank you all! Huge score boost

Good god, nice boost!

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Established Member
Edk83
Posts: 19
Registered: ‎11-07-2012

Re: Thank you all! Huge score boost

A month's work there alright, Experian FAKO is 725 and credit karma FAKO is 635? Anyway the Fico score is what matters I guess!

Regular Contributor
Mish0817
Posts: 160
Registered: ‎12-02-2012

Re: Thank you all! Huge score boost

Can you tell us what you did to get eras deleted? & congrats! 



Eq 675
TU 661
Ex your guess is as goodas mine!

Nfcu Cash Rewards 5000, Nfcu nRewards Mc 2500, Walmart 600, Target 200, VS 350,Capital one 500,Capital One Secured 551, Us Bank Secured 300 All less than 8 months old!
Established Member
Edk83
Posts: 19
Registered: ‎11-07-2012

Re: Thank you all! Huge score boost

Sent a PDF to the collection agency. Think they agreed as I caught them reporting shadow payments!

Moderator
Shogun
Posts: 12,859
Registered: ‎04-15-2011

Re: Thank you all! Huge score boost

Awesome job, 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!
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011

Re: Thank you all! Huge score boost


Edk83 wrote:

Sent a PDF to the collection agency. Think they agreed as I caught them reporting shadow payments!


What are shadow payments?


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Moderator
Shogun
Posts: 12,859
Registered: ‎04-15-2011

Re: Thank you all! Huge score boost

It seems some creditors will list false payments.  Unkown why, unless to change the DOLA which is irrelevant.  Now if they change the DOFD because of false payments, that's a huge issue.


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!

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