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from 460 to 603 in 1 year! 1 year Anniversary!

Established Contributor

Re: from 460 to 603 in 1 year! 1 year Anniversary!


Whitneyy wrote:

Sounds great.

 

I have a question about your student loans though, how did you get the old lines to delete after picking up the new loans? I rehabbed and I only have the new updated lines showing and closed and paid in full and my new consolidation showing. I still see my old loans with all the lates.


I recently disputed with Equifax the previously defaulted TLs because they were reporting a current status as 120 days past due although they were paid, closed. To my amazement they were deleted. I finished rehabbing my loans one year ago.

Current Score: TU: 674 | EQ: 722 | EX: 717 | Last Inq. 2/16/15...Locked Up in The Garden
NFCU Cash Rewards $14K | Chase Sapphire Preferred $5K | Amex Blue Cash Preferred $6K | Cap1 Quicksilver One Visa $9K

Frequent Contributor

Re: from 460 to 603 in 1 year! 1 year Anniversary!

Very Nice.  Congratulations.

EX 758, EQ 755, TU 759

NFCU Sig Visa $27K | BofA Cash Rewards Visa $26K | Marriott Rewards Visa $25K | AMEX Delta Skymiles $25K | BofA Sig Visa $25K | Citi HHonors Reserve Visa $23K | NFCU LOC $15K | NASA Platinum Visa $15K| Barclay's USAir WMC $11.7K | NFCU Sig Visa $10K | Cap1 Venture $8K | Amazon Prime Rewards Visa $7K | Williams Sonoma Visa $3.4K | Discover IT $2.8K | Various Store Cards $5K - $17K
Valued Contributor

Re: from 460 to 603 in 1 year! 1 year Anniversary!

Congratulations!!!!!

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
Frequent Contributor

Re: from 460 to 603 in 1 year! 1 year Anniversary!

Congrats on coming so far!  You should be proud.   This really is an amazing place, I've learned so much myself in such a short time.



Starting Score (02/01/2014): EQ 548 EX 548 TU 564
Current/Most Recent FICO Score (4/01/2015): EQ 686 EX 668 TU 669
Nov 1, 2015 Goal: 700 Across all 3

Take the myFICO Fitness Challenge


test

Regular Contributor

Re: from 460 to 603 in 1 year! 1 year Anniversary!

good job. wow, 460 is BAD. lol

MyFico Equifax - 691
MyFico Experian - 692
Barclay Transunion - 682 (Last Updated 03/21/14)

Citi Diamond Preferred - $2,300 / Citi Platinum Select AAdvantage - $5,600 / Barclay - $4,600 / GE Care Credit - $1,000
Current Utilization - 52% / AAoA - 6yrs
Frequent Contributor

Re: from 460 to 603 in 1 year! 1 year Anniversary!

Great work! Keep it up!


Starting Score: TU 490 on 11/2012
Current Score:6/16/15:EQ 714, EX 704, TU 702 (all from myFICO)
New Goal Score: 740+ for all three
Highlighted
Moderator Emeritus

Re: from 460 to 603 in 1 year! 1 year Anniversary!

Nice work!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Senior Contributor

Re: from 460 to 603 in 1 year! 1 year Anniversary!

congrats