Credit Card Center Advertiser Disclosure

Established Member
Posts: 28
Registered: ‎12-04-2016

700 club at last

10 years ago I had good credit, a good job and an awesome family. That's when my journey started. My kidneys went bad. Started dialysis and discriminated at work twice. I was force to retire in such a young age. Income is thru social security only. I had to let my credit go to collections. 7 years past so some collections dropped but some current ones remained. In April 2016, my fico score was 550. Cap one Sent me a preapprove credit for a gm rewards card world elite mc. It was a credit step program.
From there entered to rebuild my credit by joining a credit repair program for 2 months and it did help a lot. With some deletions my score with up in the low 600s. I was reading the credit pull data base and trying to figure what bank would be helpful to rebuild credit. So I app with penfed, nfcu, dcu, nasa, tdecu, service credit union and Navy army ccu. All gave me cc sl of 500-2500. I been paying on time and more than the min. UTI 9%, score jump to 680. App for Sams and approve for 5k with their mc. 3000 for Wal-Mart store Card. Bbva clearpoint visa for 2800, bbva unsecure signature loan for 10000 and auto loan for 19000. Been paying on time with only my ss income and my score finally hit tu 701, ex 700 and eq 667. Not to brag but I am bless with a family that stayed by my side thru this ordeal, healthy or not, but a lot of struggles. Just work hard to build your credit and my motivation factor is my wife and kids. With good credit even you don't make much will take you a long way. Bless you all.
Valued Contributor
Posts: 1,414
Registered: ‎01-31-2008

Re: 700 club at last

Congrats and thanks for sharing your personal journey. I always like a success story with a happy ending.


I hope you and you family have a great Holidays!

Regular Contributor
Posts: 134
Registered: ‎07-23-2012

Re: 700 club at last

Well done! Disability can be challenging to deal with but you appear to be making a good situation for youself. Keep up the good work.

Fico 8 Scores
4/2017: EQ - 814; TU - 823; EX - 828; Seven CCs ($108K CL, 0% UTIL); OA = 28.8 years; AAoA = 6.5 years.; newest = 1 year; mortgage; car loan; Sep, 2010 mortgage pmt., 90 days past due, is final derog.
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 640; 11/2014: EQ - 653; 05/2014 EQ - 653; 11/2013: EQ - 645; 05/2013: EQ - 656;11/2012: EQ - 646;
New Member
Posts: 1
Registered: ‎12-31-2007

Re: 700 club at last



These roads can be difficult journey's and have many turns, but keep the positive attitude and you'll prevailSmiley Happy

Starting Score: 684
Current Score: 707
Goal Score: 740

Established Contributor
Posts: 919
Registered: ‎04-19-2008

Re: 700 club at last

Conrats on your progress!

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

Valued Contributor
Posts: 2,079
Registered: ‎06-01-2008
0 Kudos

Re: 700 club at last

Congratulations on the fantastic improvement to your credit file and scores!  You did a great job of turning the ship around!  


I hope your health continues to improve and so thankful that you have a great family by your side!  



Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sep 2017: EX8: 736; EQ8: 732; TU8: 743; EQ04: 730 FICO 9 Scores about 50 points higher
In My Wallet: Discover $60.2K; Cap1 Venture $30.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $205.5K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Valued Contributor
Posts: 2,083
Registered: ‎07-17-2012
0 Kudos

Re: 700 club at last


Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500

EQ - 740 / TU - 748 / EX - 748

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 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.