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Thank you all! Huge score boost

Established Member

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

Message 1 of 12
11 REPLIES
Frequent Contributor

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: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 2 of 12
Established Contributor

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
Message 3 of 12
Highlighted
Valued Contributor

Re: Thank you all! Huge score boost

Good god, nice boost!

  • 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 4 of 12
Established Member

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!

Message 5 of 12
Regular Contributor

Re: Thank you all! Huge score boost

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



Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden
Message 6 of 12
Established Member

Re: Thank you all! Huge score boost

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

Message 7 of 12
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 12
Valued Contributor

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
Message 9 of 12
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 10 of 12