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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}
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App Free since 2.8.13
Established Contributor
electra
Posts: 507
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


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Valued Contributor
Jutz
Posts: 1,142
Registered: ‎05-10-2012

Re: Thank you all! Huge score boost

Good god, nice boost!

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)

Starting total revolving credit: $1100 | Current total revolving credit: $7000

Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013


2013 Goals:
New Car
700 Club
AMEX Member

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800
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
Mishwatson
Posts: 121
Registered: ‎12-02-2012

Re: Thank you all! Huge score boost

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

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: 7,372
Registered: ‎04-15-2011

Re: Thank you all! Huge score boost

Awesome job, congrats!!!


Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

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Valued Contributor
Rhaeny
Posts: 1,109
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?


Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
April Scores: EX 722 (USAA), TU 669 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 4/8/2013
Moderator
Shogun
Posts: 7,372
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

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

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