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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

WOOT!!!TU up 28---now 685!!!

I broke down and ordered TU score to match EQ I just got. While my five year old charge off is still listed it has at least updated to reflect zero balance from it's previous $190. This was hurting my UTIL. It went from 42% down to 3% (cap1 cc still not reporting) TU needs to delete it completely as per my deletion letter but just the bump in UTIL gave me 28 pts! (had 21 pt Inc in EQ to 635 also-good day). 685. I'm finally over 680 in at least one of my scores!!!


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Frequent Contributor
Posts: 463
Registered: ‎06-13-2012
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Re: WOOT!!!TU up 28---now 685!!!

Congrats, another step in the right direction.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: WOOT!!!TU up 28---now 685!!!

Thanks.  I know its cost me some money on the reports below but the positive feedback in seeing scores climb is worth the money Ive spent on them!

 

upwards.png



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Posts: 292
Registered: ‎07-09-2012
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Re: WOOT!!!TU up 28---now 685!!!

Impressive!!!




June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans
Regular Contributor
Posts: 232
Registered: ‎06-01-2012
0

Re: WOOT!!!TU up 28---now 685!!!

Wow!  Yes, impressive and noteworthy.  I'm marking this one in the 'ole noggin for inspiration.  Thank you for sharing :smileyhappy:


Starting Score 4/15/2012:579 Ex-FAKO, 572 Eq-FAKO, 546 TU-FAKO (all were sub-500 in 2011)
FICO as of 3/08/2013: 627 EQ, 647 TU
FAKO as of 3/23/2013: 638 EX, 652 EQ, 648 TU
Goal 1: 600 FICO achieved 10/2012!, Goal 2: 650 FICO Across the Board - Let's take Baby-Steps!
**Amex Optima $1.3k, GE/CareCredit $1k, CapOne Secured $900, Barclaycard Rewards $500, CapOne Rewards $500, Citi/Shell $200**
Seedling Garden Club Member - Last App: 03/18/2013 - Goal: No apps for One Year: 3/18/2014
Regular Contributor
Posts: 203
Registered: ‎07-20-2012
0

Re: WOOT!!!TU up 28---now 685!!!

Good Job! Keep up the good, responsible work!

Revolvers: FP Gold $300, FP Platinum $300, Applied Bank Business $500, Kay Jewelers $500, Fingerhut $400, Gettington $300

Installers: KHEAA student loan, Dealer Funding LLC auto loan x2, Crescent Bank auto loan, Acceptance Loan Co personal loan x2

Negatives: 1 collection - 2010 $307, Auto lates - 2 30 days, 60 day, 2009 / 3 30 days, 60 day, 2012

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