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Established Contributor
Posts: 746
Registered: ‎11-27-2012

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
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Frequent Contributor
Posts: 438
Registered: ‎06-23-2013

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

Very Nice.  Congratulations.

EX 758, EQ 755, TU 759

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Valued Contributor
Posts: 1,551
Registered: ‎05-15-2013

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


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
Posts: 392
Registered: ‎03-21-2014

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

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Regular Contributor
Posts: 186
Registered: ‎03-08-2014

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)

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Current Utilization - 52% / AAoA - 6yrs
Frequent Contributor
Posts: 351
Registered: ‎11-04-2013

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
Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011

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
Posts: 10,287
Registered: ‎09-24-2013

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


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