Below is my Equifax progress, accomplished in exactly year. I started with a VERY THIN credit file - only a single $2000 credit card for 10 years, and a paid off car loan.
To get to 809, In Jul 2014 I opened a 1 year/$3000 credit builder loan and also applied and got an AMEX starting at $1000. From Sep 2014 to Apr 2015, I CLI'd the AMEX up to $5000 and CLI'd the 10 year old Citi Card to $5000. In May 2015, I apped and took a Target Card for $500. At roughly the 1 year anniversary of both the AMEX and Credit Builder loan, my EQ spiked 122 points to just over 800..... Subsequent drops from the 809 peak were from my new Target Card reporting a $180 balance, and another 2 pt drop allowing the CITI card to report an $800 balance - just to see what impact it'd have, which it really didn't.
Lots of things are possible with credit repair. I was not expecting over 800!
