Totally complete awesomeness!!

[tsever01]

So Ive been rebuilding for many months by paying collections, sending GW and getting things removed, etc.  with the ultimate goal of getting a USDA mortgage.  I got to the point where I can do no more repair unless Cap One deletes their charge offs so I purchased the TU Myfico score to get an idea of where I was at compared to the EQ score.   My EQ is 681 and TU is 675.  I know there the TU on this site is supposedly inaccurate so I was a little worried about the lender pull for my prequal.  I was pleasantly surprised by the following score.  TU - 694, EQ - 6814, EX - 680!  The EQ was right on the money!  I still have two 3 year old charge-offs from Cap One, a Foreclosure, and a charged off 2nd Mortgage on my report but I have lots of good tradelines as well.  Just thoght that this might help someone who is wondering how their scores might look in a similar situation.

[Anonymous]

Thanks for sharing. I'm working on rebuilding mine as well - in the longterm overall but short term first priority is qualify for a FHA mortgage loan. I love hearing success stories because it keeps me hopeful! One more GW adjustment to go

[Anonymous]

Thanks for sharing. I started rebuilding a month ago. I have a foreclosure and 3 chargeoffs from 09 and one recent medical collection. Unfortunately, I have no positive tradelines. Just acquired 2 cc's working on a third. My goal is to obtain a mortgage as well. I hope to get where you are someday.