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Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012

Huge Jump in Equifax score

At the end of February my score was 480. Today I got the scorewatch alert that my score is 617. I am so excited. Thank you to this forum for the guidance I got all the collections off my reports. Now I just have a few debts that were included in bakruptcy and my bankruptcy reporting.

 

I am so excited. I just needed to share this with you!

 

 

EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
Established Contributor
crunching_numbers
Posts: 1,026
Registered: ‎02-15-2012

Re: Huge Jump in Equifax score

Hurray for you! That is a nice jump. I bet it feels reeeeeeeeal good right now. Keep up the rebuilding. You are starting to see the fruits of your labors.

 

617 is WAY better than 480. Not too far off from mortgage-ville.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 771 TU98 , 824 TU08 FICO, 776 EQ FICO , 735 EX(9/12) FICO
Goal Score: 750+, but shooting for the 800's

my wallet: Hyatt Visa Sig ($23K), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Discover It ($8K), Amex BCP ($9K), FNBO Visa (13.1K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Walmart D ($7.5K), JCP($5.3K), Dicks MC ($2K)
Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012

Re: Huge Jump in Equifax score

Thank you
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
Regular Contributor
Roarmeister
Posts: 166
Registered: ‎04-21-2012

Re: Huge Jump in Equifax score

That's a spectacular jump for a few months.  Good on you.  Keep in mind, that the agencies might also lower your score a bit the next time you pull.  Credit cards scores are so momentary and are created on the fly whenever they are requested.  You MAY see a small decrease or no change the next time, don't be too concerned.  Keep you eye focused on the long term (1+ years).

AmexGoldBMOWorldMCCapOnePlatinumMBNA_Platinum+ScotiaMomentum
___$13.5k______$20k_______$20k_______$25k_______$20k____
Starting Score: 676 Feb 2008; Current Score: 756 May 2013; Goal Score: above 780 this year
Oldest Account: 31.1 years; Current AAoA: 14.6 years; Current Utilization: 5.2%
Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012

Re: Huge Jump in Equifax score

He much of a growth should I expect on my credit score over the next year I I pay everything on time? I'm just wondering where my score could be next year!
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
Frequent Contributor
JenniferinFL
Posts: 305
Registered: ‎03-16-2012

Re: Huge Jump in Equifax score


Misshopeful72 wrote:
He much of a growth should I expect on my credit score over the next year I I pay everything on time? I'm just wondering where my score could be next year!

You can use the score simulator to see what your score will be like if you make payments on time for 12 months, I think that's one of the options.

 

I love this forum too.. I started at a 605 in March, but, I've already dragged it up to a 655. I'm really hoping to clear 680 when all my cards report $0 balances in a few days. 655 was with every card reporting a balance! lol

 

I'm curious what the credit boost is once all new accounts are a year old. I think you have a few new accounts too right? I'm looking forward to that score increase myself.

 

 


Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) USAA Fako 598 Vantage 639 (03-15-2012) Transrisk 616 (03-15-2012) Ch.7 discharged 5/2009
Current Score: 663 EQ (06-10-12) 655 TU (04-28-2012 myfico) Vantage 730 (05-15-2012) Transrisk 674 (05-15-2012)
Goal Score: 680 No more app'ing until May 12th 2013!


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Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012

Re: Huge Jump in Equifax score

YEa I have several new accounts so now I'm going to garden them. My utilization is high right now too and I'm getting my stuff paid down too. My bankruptcy was discharged in December so I think I'm doing good so far. Good luck I'm sure your score will go up too!
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico
Contributor
mwmiller82
Posts: 81
Registered: ‎04-23-2012

Re: Huge Jump in Equifax score

Congrats!!!


Starting Score: TU527 EQ517 April 2012
Current Score: TU535 EQ540 May 2012
Current Score: TU631 EQ620 October 2012
Goal Score: 675


Take the FICO Fitness Challenge
Contributor
mwmiller82
Posts: 81
Registered: ‎04-23-2012

Re: Huge Jump in Equifax score

I'm new here, What did you do to raise it so quickly? I have a 3 collection account which 2 of the 3 I am disputing, but am thinking on just paying them off next week to get them out of the way, but at the same time should I ask them to delete it after I pay?


Starting Score: TU527 EQ517 April 2012
Current Score: TU535 EQ540 May 2012
Current Score: TU631 EQ620 October 2012
Goal Score: 675


Take the FICO Fitness Challenge
Contributor
Misshopeful72
Posts: 185
Registered: ‎03-05-2012

Re: Huge Jump in Equifax score

Hello I got all the collections off my report and one creditor wasn't showing as included in my bankruptcy. I got that fixed and saw a huge increase in my score!
EQ 480 02/27/12- EQ 617 05/02/12
TU 500 02/27/12 TU 585 05/01/12
All scores are myfico

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