cancel
Showing results for 
Search instead for 
Did you mean: 

small victories

Established Contributor

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! Smiley Very 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!

Message 1 of 10
9 REPLIES
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 10
Established Contributor

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
Message 3 of 10
Valued Contributor

Re: small victories

Congrats on your progress, that's great!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 10
Regular Contributor

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 Smiley Happy


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

Message 5 of 10
Established Contributor

Re: small victories

Congrats

Message 6 of 10
Valued Member

Re: small victories

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

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
Message 7 of 10
Established Contributor

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 sometimesSmiley Sad

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.

Message 8 of 10
Established Contributor

Re: small victories

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

Message 9 of 10
Highlighted
Regular Contributor

Re: small victories

Grats!
 photo ficos3.jpg
Message 10 of 10