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Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
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Re: my little happy dance

NICE WORK!!!!

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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: my little happy dance

+1

Regular Contributor
Posts: 233
Registered: ‎10-03-2009
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Re: my little happy dance

Congrats on your progress! 

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Established Contributor
Posts: 855
Registered: ‎12-09-2012
0

Re: my little happy dance

[ Edited ]

Moving up! The only thing I can think of causing the positive Change is my Orchard bank CC for 300.00 is 1 yr old this month. I had a Medical delete for 100.00 and that caused no  score change ( but its gone Smiley Very Happy ).

 

.                       

    Feb 1, 2013 Credit karma update                  

                        Credit Score:                                                             Your Score:        Change:                                                                                                                                                                                                                                                                                                                                                                                                                                                  Your three credit scores have changed by a total of 28 points since you last updated each score                                                                                                    
                                    1.                                                     TransRisk Credit Score                                                                                598                                                                               +20                           
                                    2.                                                     Auto Insurance Score                                                                                872                                                                               0                           
                                    3.                                                     VantageScore                                                                                671                                                                               +8                           
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Member
Posts: 18
Registered: ‎01-29-2013
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Re: my little happy dance

Congrats,  I'm sure that seeing progress feels great!  Smiley Very Happy

I'm not sure what the "auto insurance" score is?

Starting scores: Experian 650; Equifax 639; Trans U 640 (Jan 2013)
Established Contributor
Posts: 855
Registered: ‎12-09-2012
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Re: my little happy dance

Seeing the progress has been fantastic!!  There was times I was ready to just stop! It was information overload!  But I keep plucking away at it and post my results here so I can reflect back and see the changes and mayhelp help encourage another person wondering if it can be done.

 

The auto insurance score is what a car insurance would use to give you a rate quote.

Credit Karma is not true Fico scores, but I can see changes and the scores going up so I know my hard work is slowly paying off!Smiley Very Happy

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Contributor
Posts: 114
Registered: ‎06-06-2012
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Re: my little happy dance

congrats on the success!!


Starting Score: CK 519 FICO 498
Current Score: 2/26/13 FICO 590 TU FAKO 639
Goal Score: 650


Take the myFICO Fitness Challenge

Member
Posts: 18
Registered: ‎01-29-2013
0

Re: my little happy dance

"There was times I was ready to just stop! It was information overload!  But I keep plucking away at it and post my results here so I can reflect back and see the changes and mayhelp help encourage another person wondering if it can be done."

 

 

No Kidding!!!!   When I first started this I was *SO* frustrated.. (who am I kidding? I'm still quite frustrated)...

 

It seemed like a game with *no rules.*  (or at least a game where no one knows the rules)...  No definite path to take to improve your situation.

 

I was also super frustrated about why this stuff wasn't taught in Economics class in Highschool OR College!

 

Anyway,  Yes this forum has been an *amazing* wealth of information, and it's contributors have been very kind and helpful.

 

I didn't mean to hijack your happy dance!   Dance away! Smiley Happy

Starting scores: Experian 650; Equifax 639; Trans U 640 (Jan 2013)
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Established Contributor
Posts: 855
Registered: ‎12-09-2012
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Re: my little happy dance

 4/18/2013655Score Watch® alert: Your score exceeded your target of 614.     YesMore info No 
Score Watch® alert: Your score exceeded your target of 614.                                     
 4/6/2013613Score Watch® alert: Your score exceeded your target of 602.      More info No 
Score Watch® alert: Your score exceeded your target of 602.                                     
 3/31/2013601Score Watch® alert: Your score exceeded your target of 599.      More info No 
Score Watch® alert: Your score exceeded your target of 599.                                     
 3/6/2013598Score Watch® alert: Your score reached your target of 598.      More info No 
Score Watch® alert: Your score reached your target of 598.                                     
 2/21/2013589Score Watch® alert: Your score has dropped.     YesMore info No 
Score Watch® alert: Your score has dropped.                              
 2/20/2013597Score Watch® alert: Your score is unchanged.     YesMore info No 
Score Watch® alert: Your score is unchanged.                   
 2/11/2013597Score Watch® alert: Your score exceeded your target of 591.      More info No 
Score Watch® alert: Your score exceeded your target of 591.                                     
 2/6/2013590Score Watch® alert: Your score is unchanged.     YesMore info No 
Score Watch® alert: Your score is unchanged.                   
 2/3/2013590Score Watch® alert: Your score is unchanged.     YesMore info No 
Score Watch® alert: Your score is unchanged.                   
 1/16/2013590Score Watch® alert: Your score is unchanged.     YesMore info No 
Score Watch® alert: Your score is unchanged.                   
 1/12/2013590Score Watch® alert: Your score is unchanged.     YesMore info No 
Score Watch® alert: Your score is unchanged.                   
 1/6/2013590Score Watch® alert: Your score reached your target of 590.      More info No 
Score Watch® alert: Your score reached your target of 590.                                     
 12/22/2012589Score Watch® alert: Your score exceeded your target of 580.      More info No 
Score Watch® alert: Your score exceeded your target of 580.                                     
 12/15/2012579Score Watch® alert: Your score is unchanged.     YesMore info No 
Score Watch® alert: Your score is unchanged.                   
 12/6/2012579Score Watch® alert: Your score is unchanged.     YesMore info No 
Score Watch® alert: Your score is unchanged.                   
 12/4/2012579Score Power report: Your score is unchanged.      More info Yes 
Score Power report: Your score is unchanged      
 12/4/2012579Score Watch® alert: Your score reached your target of 579.      More info No 
Score Watch® alert: Your score reached your target of 579.                                     
 
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
Established Contributor
Posts: 855
Registered: ‎12-09-2012
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Re: my little happy dance *** UPDATE 4/18/13

Time to change my Goal!!!!!     View a TransUnion FICO® report that you’ve purchased:

Date FICO® score
April 18, 2013613
April 8, 2013586
March 12, 2013579
February 10, 2013579
February 6, 2013579
December 4, 2012587
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
1/29/15 TU08 666 | EQ08 676 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1300~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 8K ~Care Credit 3,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Foreclosure (fall off TU 6/15 EX 9/15 EX 12/15)
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† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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