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Valued Contributor
Duncanrr
Posts: 2,500
Registered: ‎06-08-2012

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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750

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Frequent Contributor
wreith
Posts: 325
Registered: ‎06-13-2012

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

Congrats, another step in the right direction.

03/07/2013 Walmart TU 702
03/07/2013 MyFico EQ 694
01/28/2013 USAA FAKO EX 728, EQ 715, TU 703
In my wallet Discover It $1200, USAA Cash Rewards AMEX $7K, USAA Rewards Platinum MC $7K, CareCredit $3K, Chase Freedom $1400, Walmart $2300, Lowes $800, HSN $1450, Macys Red Star Store $1800, Paypal smart connect $600, VS Angelcard $500, Amazon Store $1200, AMEX Green NPSL, BCE $1K.
Valued Contributor
Duncanrr
Posts: 2,500
Registered: ‎06-08-2012

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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750

Take the FICO Fitness Challenge
Frequent Contributor
Kathy4NU
Posts: 251
Registered: ‎07-09-2012

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

CU Visa $1000, VS $350, Chase Freedom $1000
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans
Regular Contributor
ApexdvToo
Posts: 232
Registered: ‎06-01-2012

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
princechristian
Posts: 203
Registered: ‎07-20-2012

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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