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Frequent Contributor
seigex
Posts: 425
Registered: ‎05-16-2012
0

small victories

Just got a score alert today from myFico TU Quarterly Monitoring that my score jumped from 685 to 704! Although I will probably take a small hit when my new card posts, but that finally puts me in the 700 club on one of my reports! Now I can't wait for the two major derogs from almost 7 years ago fall off! :smileyvery-happy:

 

This isn't to gloat, but to motivate those of you rebuilding. A year ago Fico wouldn't even give me a score and I couldn't get any credit... a year makes a lot of difference.. Keep at it, and I couldn't have done it without this forum!

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: small victories

Happy Dance!


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!
Established Contributor
Cageym
Posts: 513
Registered: ‎07-31-2012
0

Re: small victories

Great job! The small victories count to. It's all a step in the right direction.


What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: small victories

Congrats on your progress, that's great!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Regular Contributor
esmer0924
Posts: 224
Registered: ‎10-03-2011
0

Re: small victories

Great job!!  I am almost to the 700 club and can't wait until one of my reports get there.  I just keep plugging away :smileyhappy:


Starting Score: 672 TU, 669 EQ, 659 EX FAKO(10/3/11)
Current Score: 786 TU FICO(5/23/14), 758 EQ FICO (8/01/14), 811 EX FICO (5/26/14)
Goal Score: 720+

Take the FICO Fitness Challenge

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

Re: small victories

Congrats

Valued Member
favored12
Posts: 33
Registered: ‎08-29-2012
0

Re: small victories

I love to see posts like these. They are definitely motivational for me since I'm just starting and get discouraged sometimes:smileysad:

Starting Score: EQ-485 TU-558 EX-576 AUG2012
Current Score: EQ-533 TU-621 EX-644 NOV2012
Goal Score: 700


Take the FICO Fitness Challenge
Frequent Contributor
seigex
Posts: 425
Registered: ‎05-16-2012
0

Re: small victories


favored12 wrote:
I love to see posts like these. They are definitely motivational for me since I'm just starting and get discouraged sometimes:smileysad:

It does get discouraging, like watching a pot of water and waiting for it to boil. But you have to look to the benefit of it taking time, as time goes on you learn to modify your behaviors slowly to use your credit more effectively, so when time comes that your score jumps, you see credit as a tool, and not a cash flow. And with all the hard work you put into it, you don't want to go back to where you were.

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Frequent Contributor
seigex
Posts: 425
Registered: ‎05-16-2012
0

Re: small victories

Just to add, got a lender pull on my Experian at 740!!! wow!

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

NFCU VISA $17.5k / USAA AMEX $6k / USAA AMEX $4k / USAA VISA $4k / CHASE FREEDOM $3k / Capital One $500
Regular Contributor
Rlandon87
Posts: 153
Registered: ‎10-03-2012
0

Re: small victories

Grats!
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