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Wow decrease in my credit score from 591 to 346

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monieleazenby
Established Member

Re: Wow decrease in my credit score from 591 to 346

How long did it take to show up on your three credit reports once you established the credit cards with First Progress Bank. I will try this one as I do want to increase my credit score. How many months did it take for your credit scores to increase?

 

Thank you for the feedback I will check into that.

 

Kind Regards

Monie


Starting Score: 591
Current Score: 480
Goal Score: 720


Take the myFICO Fitness Challenge
Message 11 of 16
titanofold
Established Contributor

Re: Wow decrease in my credit score from 591 to 346

You should be able to get an Open Sky Visa. No credit check, and it's a good rebuilder card. Fairly reasonable terms, too.

Scores2013-09-21Current
Equifax630 (LP)755 (CK)/749 (Quizzle)
Experian640 (FCR)FICO 707 (Amex)
TransUnion588 (CK)FICO 754 (Barclaycard)
Message 12 of 16
ptilda
Established Contributor

Re: Wow decrease in my credit score from 591 to 346

Do you have a utility or phone in good standing that would be willing to report? It's something. A place to start. Or will someone add you as AU to their card? You don't need access to the card. Just make sure it's a good account.

My Wallet:Fidelity Amex $1K, DCU $3.9K, US Bank AeroMexico $300, Quicksilver $1.3K, Cap1 secured MC $750, DiscoverIT $200, Care Credit $5K, Sportsman Guide Visa $3K, Kay $3K, Jared $3K,American Airlines CC $3K, Amazon $2.9k, Walmart $2.2k, Macy's $800 revolving/$5k furniture, Comenity retail cards $5.55kStarting Score: 618Current Score: 711
Message 13 of 16
monieleazenby
Established Member

Re: Wow decrease in my credit score from 591 to 346

I don't have a cell phone believe it or not the BK really messed me up over nine years. I have a land line traditional phone. I really want to raise my credit scores I love this site because I always thought it was just me who had bad credit. I'm not alone and feel we are all very supportive to one another as well as have a lot of resources to help with. I can't wait until the day comes when I'm finally out of the hole so that I can help someone else out as well, just like everyone here who has helped me I really appreciate it a lot.

 

Monie


Starting Score: 591
Current Score: 480
Goal Score: 720


Take the myFICO Fitness Challenge
Message 14 of 16
ptilda
Established Contributor

Re: Wow decrease in my credit score from 591 to 346

Don't be too hard on yourself. Take one step at a time, and you'll see results. I've rebuilt my credit about three separate times, and I'm still learning. Good luck! Looking forward to seeing your results.

My Wallet:Fidelity Amex $1K, DCU $3.9K, US Bank AeroMexico $300, Quicksilver $1.3K, Cap1 secured MC $750, DiscoverIT $200, Care Credit $5K, Sportsman Guide Visa $3K, Kay $3K, Jared $3K,American Airlines CC $3K, Amazon $2.9k, Walmart $2.2k, Macy's $800 revolving/$5k furniture, Comenity retail cards $5.55kStarting Score: 618Current Score: 711
Message 15 of 16
ktl72455
Valued Contributor

Re: Wow decrease in my credit score from 591 to 346

Open Sky or SDFCU, both are secured cards, neither pull your credit and both report  and both will raise your score.

 

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%
Message 16 of 16
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