Finally got above the 600 mark!

Anonymous · ‎10-20-2015

Wonder if it is possible to hit 700 by end of the year!

NRB525 · ‎10-20-2015

Welcome, and congratulations on the score increase, it's headed in the right direction.

As to getting to 700, your scores being where they are implies there are some sort of negatives on your file, old late payments, chargeoffs, some other negative in the past. Until those either age off or you manage to get them removed, they are going to be a weight on your score. It will gradually increase, but until the negatives are gone, it's going to be slow.

Providing more information about your situation will get you some good advice.

Good luck!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎10-20-2015

Congrat! i know how it feel to be in your situation.

IT to me exactly 15 months to get from 515 to 715 score. Nothing is impossible, put a lot of effort and being patient is the key. I had over 12 collection and 1 derogatory i had 12 collection removed and left with my last 1 derogatory and it seem to take forever. But im not giving up.

Anonymous · ‎10-21-2015

Congrats are in order. It's a huge milestone for us.