Re: Trying to raise score for a mortgage in a limi... - Page 2 - myFICO® Forums

ktl72455 · ‎05-26-2014

Yes it is :-)

I got my husbands score from 533 to 652 in 1 yr.

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

Shogun · ‎05-26-2014

@Snapmech wrote:
Shogun would you say that going to 544 to 620 in a year is attainable?

With work and dedication, yes.

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.

guykara · ‎05-26-2014

Check my signature, definitely possible with hard work!

Starting Scores (10/18/2013): EX: 603 | EQ: 572 | TU: 659
5/05/2014 EX: 628 | EQ: 627 | TU: 623
5/25/2014: EX: 628 | EQ: 635 | TU: 623
Current Scores: EX: 670 | EQ: 663 | TU: 681
Goal Scores: 680 across the board

Take the myFICO Fitness Challenge

CreditHealthy · ‎05-26-2014

yes, it is possible to raise a score significantly in over a year, as proved by many people on the forum.Keep bugging dish, write them PFD every month if you have too, and if that does not work i would just pay them and send them and start sending goodwill letters.The Citi bank card would only help if your dad has had the card for a number of years to help out your AAoA. But, with this new Equifax scoring i believe, and someone else can feel free to chime in, They are scoring AU accounts more harshly,and you may not get the boost that is needed.Good plan for the 30 day lates.....Good luck!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013

lavencedora · ‎05-26-2014

I went from 490 to 640s in a year and a half. Definitely attainable. BTW, make sure to get your utilization down on the $2k card to 10% or less, that will give you a bump. If you need a car loan, having that being paid over the course of the next year would be a help to your mix. And, as everyone says, keep working on the GWs and PFD (or pay it & try to GW). Good luck!!

Starting Score: TU 490 on 11/2012
Current Score:6/16/15:EQ 714, EX 704, TU 702 (all from myFICO)
New Goal Score: 740+ for all three

Snapmech · ‎05-26-2014

Thanks for all the response everyone!

When talking to dish can I still get them to take back that collection? Or would it be too late for that? When i was talking to the CA i found out they dont even have a copy of my contract with dish, but i have heard dci doesnt respond to debt verification letters? I have been given a phone number of a supervisor at DCI, and will contact him tommorrow and see if he will help me out.

So it looks like my plan is to pay down the utilization on $2k cards.

On my other cards should I put something on them every month still and pay them off every month, or should i just let them sit at $0 ?

Im currently working with Ben Bridge Jeweler, Usaa, Cap 1, Sending GW letters for 30 days past due.

USMC 6114

Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Trying to raise score for a mortgage in a limited amount of time is it possible?

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Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

Re: Trying to raise score for a mortgage in a limited amount of time is it possible?

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