Credit Card Center Advertiser Disclosure

Reply
Established Contributor
Posts: 919
Registered: ‎04-19-2008
0 Kudos

Re: April 2015 Check In Thread


mikevilla24 wrote:

My Scores have risen!!! to TU 603 EX 600 EQ 589 as of 4/13/15  //// Starting scores on 1/8/15  were TU 578 EX 572 EQ 553


Congrats!

Goal: 700's by 11/1/2015 (all baddies will be gone)



Frequent Contributor
Posts: 424
Registered: ‎05-22-2007

Re: April 2015 Check In Thread

EX just hit 738!  Reset my goal to 750!

 

Just waiting for EQ and TU to pick up the paid off NFCU lines!  Yea!!!!

Starting Score: 472
Current Score: EQ:703 TU: 729 EX:737
Goal Score: 750


Take the myFICO Fitness Challenge
Established Member
Posts: 31
Registered: ‎04-05-2013
0 Kudos

Re: April 2015 Check In Thread

Sorry

 

I have not checked in in a while. Seems like after I signed up for my credit score and getting everything in order, I realize I spend a lot of money where I shouldn't.


Starting Score: 569
Current Score: EQ612, TU615, EX594
Goal Score: 650+ Across The Board


Take the myFICO Fitness Challenge
Established Member
Posts: 31
Registered: ‎04-05-2013

Re: April 2015 Check In Thread

It seems as though my credit didn't go up and I am fairly bummed about it. I get my score to raise a bit and 1 mess up just makes it go downhill again. 

 

I need to send off the letters I had printed out in hopes of 3 credit card companies to remove the late payments I had and erase those off of my report. Would be nice if they did. 

 

I might call first to see if they can do it over the phone. Has anyone ever done that? All my cards that were delinquent are up to date, with 2 of them being paid off completely. I was only late on a couple payments (maybe 3 out of the couple years I have had them)


Starting Score: 569
Current Score: EQ612, TU615, EX594
Goal Score: 650+ Across The Board


Take the myFICO Fitness Challenge
New Member
Posts: 4
Registered: ‎03-19-2012
0 Kudos

Re: April 2015 Check In Thread

Checking in First time for April. Got approved for Walmart and Fingerhut both 300 limit. Applied for a secured Capital One and responded to a pre-approval letter and was denied.

 

tried to apply twice 2 weekends ago to Capital One before Walmart Card, and got a approval processing system down message. Then after getting approved for Walmart tried again with Capital One and was denied. Received alert from Fako site that I had 3 hard pulls from Cap1 on 3 different dates. Apparently the "system approval" situation actually did a hard pull on those days also. I am trying to fight it but the process is set up to frustrate.

FICO still doesn't have the hard pulls alerted or updated score while Fako site shows 5, that includes the 2 that I'm disputing. 

 

Will try for credit increases in August and figure out the Cap 1 issue.


Starting Score: 587
Current Score: 587
Goal Score: 730


Take the myFICO Fitness Challenge
Established Member
Posts: 17
Registered: ‎01-07-2015
0 Kudos

Re: April 2015 Check In Thread

Following the most excellent(!) advice I have been receivinging in here, my scores have contiued to rise.  From last month to today:  Equifax up 48 pts; TransUnion up 56 pts; and Experian up 40 pts.  

 

Now that I've done the meat & potatoes work of getting my debt ratio under control and taking care of my 2 outstanding collections, I am now learning to make sure I utilize my credit properly.  


Starting Score: 557/601/619
Current Score: 660/697/704
Goal Score: 750/750/750


Take the myFICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.