New Contributor
Posts: 73
Registered: ‎05-21-2012

Update on my progess thus far...

I just wanted to give words of encouragment  those who are working on cleaning up their credit:  KEEP IT UP!


I've wanted to give up so many times but I didn't.  Sometimes it takes awhile and sometimes it doesn't (depending on your situation) but in the end... it's worth it.  My credit scores are high enough to qualify as a co-borrower with my husband (who has excellent credit) for a mortgage now. 


I've gotten 8 collections paid and removed...all from 2006; a CO settled/paid off but not removed (but it DID increase my score, not lowered it). I have one $117 collection on my Ex still that had agreed to a PFD and was supposed send a letter stating as such but I got a bill instead (will NOT pay them until they send the correct letter). Still working on that one.




Thank you to those who've helped me in my "Operation: clean credit" endeavor and have posted awesome help and guidance threads.  





Starting Score: Jan 2011: 517; March 2012: 620
Current Score: Ex 681 FairIsaac V2; TU 690 Classic04; Eq 642 Beacon5.0-All lender pull 8/13/12
Goal Score: 700

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Established Member
Posts: 36
Registered: ‎07-30-2012

Re: Update on my progess thus far...

Congrats! That is great progress. Gives hope to those like me who are just starting to work on improving our credit ratings.

Starting Score: 594 (Equifax FICO 7/30/12) 622 (Transunion FICO 7/30/12) 608 (Experian Lender Pull)
Current Score: 747 (EQ) 695 (TU) ? (EX)

Goal Score: 700s in all 3 bureaus

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Established Member
Posts: 17
Registered: ‎08-02-2012

Re: Update on my progess thus far...


Starting Score: TU 515 (8/2/12) EQX 494 (8/2/12) EXP ???
Current Score: TU 515 (8/2/12) EQX 494 (8/2/12)EXP ???
Goal Score: 620

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