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after a year!

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Chelli02
Established Member

after a year!

After a year of joining this site and working hard on paying my bills on time and paying down balances.   I went from a 537 to a 709!!!!!   I am so appreciative of everyones help through this process.   My husband and I are approved for a new construction home!   I couldn't have done it without this website.   

Message 1 of 14
13 REPLIES 13
EW800
Valued Contributor

Re: after a year!

Outstanding.  Congratulations!!!!

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2023: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $48.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $22.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $21K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $296K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 2 of 14
cflowers0115
Regular Contributor

Re: after a year!

Awesome job!

Starting Scores: 8/13/18: EQ: 556 TU: 521 EX: 544
Message 3 of 14
BigBS
Senior Contributor

Re: after a year!

Congrats!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 4 of 14
marathonmama24
Regular Contributor

Re: after a year!

Fantastic! Thanks for sharing!

Message 5 of 14
imovinup
Regular Contributor

Re: after a year!

Congrats . I love this site it's credit101




Starting Score: 5/30/13 TU 630; EQ618: EX PLUS639
Current Score: 4/2/15 TU 661; EQ 617; ; EX FICO 631
Goal Score: 700






Message 6 of 14
DDS7
Established Member

Re: after a year!

Awesome! Congrats!

Message 7 of 14
alvon123
Super Contributor

Re: after a year!

Great job!! Happy for you!!!Smiley LOL


Message 8 of 14
spike69
Frequent Contributor

Re: after a year!

Congratulations!! That is the kind of success I am looking for as well! Are you able to share what types of baddies and rebuilding you have done?

Message 9 of 14
Chelli02
Established Member

Re: after a year!

I did tons of good will letters most where for 30 day late payments but I did have a few 60 day that where 4 years old then one 60 day late that was with american eagle that at the time was within a year.  I was only successfull with one of the goodwill letters I could have kept sending them but was worried about getting dispute marks on my credit report.  I wrote a good will to american eagle and they added a dispute so when I called to tell them I wasn't disputing it but asking for goodwill, I think I just got lucky and the guy felt bad for me because I told him I needed it removed in order to get a new mortgage.   I also had a lot of cards close to the limit so I worked on paying them down and a lot of them off.  I also have not missed a single payment in a little over a year.  I can't believe how much my score has improved.  I went from like 90% utilization down to about 20-30% and have no cards maxed out.  

Message 10 of 14
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