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ZERO negatives - ALL 3 Bureaus -

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rebuildingmission2013
Contributor

ZERO negatives - ALL 3 Bureaus -

Today, I am free of any and all negatives on credit reports.  I once had 9 positive to 34 negative accounts listed 7 years ago.  Now I have 11 positive to 0 negative accounts listed. This is very humbling. Once I pay down my accounts to below 9% utilization, the FICO estimator shows scores ranging from 710-750.  With this monkey off my back, I can focus on a mortgage application within the next year.  Oh happy days.  Hope this motivates others, keep grinding, good luck.

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09Lexie
Moderator Emerita

Re: ZERO negatives - ALL 3 Bureaus -

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CashOnDelivery
Established Contributor

Re: ZERO negatives - ALL 3 Bureaus -


@rebuildingmission2013 wrote:

Today, I am free of any and all negatives on credit reports.  I once had 9 positive to 34 negative accounts listed 7 years ago.  Now I have 11 positive to 0 negative accounts listed. This is very humbling. Once I pay down my accounts to below 9% utilization, the FICO estimator shows scores ranging from 710-750.  With this monkey off my back, I can focus on a mortgage application within the next year.  Oh happy days.  Hope this motivates others, keep grinding, good luck.


Nice work! I've been there before and the journey is a long one. It's good to hear stories like these.


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

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