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feeling discouraged

Regular Contributor

feeling discouraged

so I received notification today about a wrongful judgement that I was disputing and it was deleted but I only saw a score jump of 9pts!!! when it was deleted from EQ i saw a score jump of 60pts.... im going to have to retire my 99 altima soon (head gasket) so I am in need of a car.....looking at mmy signature I need to get to at least 620 in 3-4mos...so im feeling a little discouraged......I just dont know what I can do right now to boost my score...any suggestions?


Starting Score: EQ 462 9/30/11
Current Score: TU 577 4/10/12 EQ 607 4/10/12 PLUS 627 4/10/12 Beacon 5.0 621 lender pull 4/13/12
Goal Score: 650


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Message 1 of 11
10 REPLIES
Valued Member

Re: feeling discouraged

What credit lines do you have right now?

The start of my journey: 490
Current: myFICO TU-680, myFICO EQ-649
Current: Lender pulls - TU-661, EX-613 - EQ 651
Message 2 of 11
Regular Contributor

Re: feeling discouraged


MsTucker09 wrote:

so I received notification today about a wrongful judgement that I was disputing and it was deleted but I only saw a score jump of 9pts!!! when it was deleted from EQ i saw a score jump of 60pts.... im going to have to retire my 99 altima soon (head gasket) so I am in need of a car.....looking at mmy signature I need to get to at least 620 in 3-4mos...so im feeling a little discouraged......I just dont know what I can do right now to boost my score...any suggestions?


Sorry you're feeling discouraged. Chin up MsTucker... you were able to get a wrongful judgement deleted AND you were able to get a score increase! Even though it wasn't as high as you'd like, getting a judgement removed is a great thing! Are the TU and EQ scores your FICO's?

 

Are there any collections or other baddies on your report? Do you have cc's if so is the util low?

 

HUGS! You're headed in the right direction and that's worth staying the course, in my opinion Smiley Happy


Starting Score: 576 EQ 1-12-13
Current Score: 588 EQ 2-3-13
Goal Score: 650


Take the myFICO Fitness Challenge
Message 3 of 11
Regular Contributor

Re: feeling discouraged

Cap 1  visa limit $500 bal $200

cap 1 MC limit $750   bal $350

macys limit $200      balance $25

applied bank  limit $500 balance $20

VCF limt $1200 bal $0

GEMB limit $1500 bal $520

student loans ~15k deferred


Starting Score: EQ 462 9/30/11
Current Score: TU 577 4/10/12 EQ 607 4/10/12 PLUS 627 4/10/12 Beacon 5.0 621 lender pull 4/13/12
Goal Score: 650


Take the FICO Fitness Challenge
Message 4 of 11
Regular Contributor

Re: feeling discouraged


PapasWifey wrote:

MsTucker09 wrote:

so I received notification today about a wrongful judgement that I was disputing and it was deleted but I only saw a score jump of 9pts!!! when it was deleted from EQ i saw a score jump of 60pts.... im going to have to retire my 99 altima soon (head gasket) so I am in need of a car.....looking at mmy signature I need to get to at least 620 in 3-4mos...so im feeling a little discouraged......I just dont know what I can do right now to boost my score...any suggestions?


Sorry you're feeling discouraged. Chin up MsTucker... you were able to get a wrongful judgement deleted AND you were able to get a score increase! Even though it wasn't as high as you'd like, getting a judgement removed is a great thing! Are the TU and EQ scores your FICO's?

 

Are there any collections or other baddies on your report? Do you have cc's if so is the util low?

 

HUGS! You're headed in the right direction and that's worth staying the course, in my opinion Smiley Happy


thank you and yes they are FICO scored....I have 1 collection I sent PFD, 1 i tried to GW, and a couple 30day lates all over a year old I have good will for


Starting Score: EQ 462 9/30/11
Current Score: TU 577 4/10/12 EQ 607 4/10/12 PLUS 627 4/10/12 Beacon 5.0 621 lender pull 4/13/12
Goal Score: 650


Take the FICO Fitness Challenge
Message 5 of 11
Regular Contributor

Re: feeling discouraged


MsTucker09 wrote:

Cap 1  visa limit $500 bal $200

cap 1 MC limit $750   bal $350

macys limit $200      balance $25

applied bank  limit $500 balance $20

VCF limt $1200 bal $0

GEMB limit $1500 bal $520

student loans ~15k deferred


If you can get your CC balances to 9% utilization or less, you'd probably see a nice score increase! Some people have their cc's report a 0 balance, with the exception of 1 card which they let report between 1-9%. I personally, try to just have my balances report 0-1% because it helps to make sure I'm not incurring debt I can't pay for.


Starting Score: 576 EQ 1-12-13
Current Score: 588 EQ 2-3-13
Goal Score: 650


Take the myFICO Fitness Challenge
Message 6 of 11
Regular Contributor

Re: feeling discouraged

thank you I was going to pay $300 to GEMB and give cap 1 $450 to bring down my util this month...thanks


Starting Score: EQ 462 9/30/11
Current Score: TU 577 4/10/12 EQ 607 4/10/12 PLUS 627 4/10/12 Beacon 5.0 621 lender pull 4/13/12
Goal Score: 650


Take the FICO Fitness Challenge
Message 7 of 11
Valued Contributor

Re: feeling discouraged

Credit repair = marathon (unfortunately, not a sprint)

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 8 of 11
Regular Contributor

Re: feeling discouraged

lol I know


Repo-ed wrote:

Credit repair = marathon (unfortunately, not a sprint)


 


Starting Score: EQ 462 9/30/11
Current Score: TU 577 4/10/12 EQ 607 4/10/12 PLUS 627 4/10/12 Beacon 5.0 621 lender pull 4/13/12
Goal Score: 650


Take the FICO Fitness Challenge
Message 9 of 11
Valued Member

Re: feeling discouraged

great progress so far.  As others mentioned paying down a few cards to $0 would help together with lower util but not all the way to your goal.

What negatives: late/collections/... do you have?


Starting Score: TU 732 | EQ 655 | EX Plus 725 [Jan 2012]
Current Score: TU 697 | EQ 694 | EX 659 (psecu) [aPRIL 2012]
Goal Score: 760 In Aggressive paydown mode, thinking Amex BCE for 2013


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Message 10 of 11