Reply
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011
0

Re: my little happy dance

NICE WORK!!!!

ccpics2.jpg
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: my little happy dance

+1

Regular Contributor
Unique620
Posts: 233
Registered: ‎10-03-2009
0

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
ktl72455
Posts: 831
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 :smileyvery-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
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)
Member
APVA
Posts: 18
Registered: ‎01-29-2013
0

Re: my little happy dance

Congrats,  I'm sure that seeing progress feels great!  :smileyvery-happy:

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

Starting scores: Experian 650; Equifax 639; Trans U 640 (Jan 2013)
Established Contributor
ktl72455
Posts: 831
Registered: ‎12-09-2012
0

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!:smileyvery-happy:

 

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)
1/15/14 TU 665 | EQ 648 | EX 655 ~Myfico scores
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)
Contributor
Jess421
Posts: 114
Registered: ‎06-06-2012
0

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
APVA
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! :smileyhappy:

Starting scores: Experian 650; Equifax 639; Trans U 640 (Jan 2013)
Established Contributor
ktl72455
Posts: 831
Registered: ‎12-09-2012
0

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
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)
Established Contributor
ktl72455
Posts: 831
Registered: ‎12-09-2012
0

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
6/8/14 TU08 666 | EQ08 656 |EX08 655 } EQ04
My Wallet: Cap1 3,500K ~FH 950 Credit One 1000~Orchard Bank 2000~ Matrix 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 5K
Last Negs to fall off: 2-Cap1 CO's PD (fall off 1/17)~Forclosure (fall off 1/16)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}