Understanding FICO® Scoring

[haulingthescoreup]

After two years of clean history with WFNNB/ J.Crew after an impressive string of stupidity on my part, they agreed to remove the six lates on the account, including a 90, which was my only serious derog. I'm now in a positive score bucket, even though I do still have two accounts with some 30's:



EQ went up 30 points, TU went up 9.

Just an example that rebucketing can be very much a positive thing!

[smallfry]

Congrats Hauling. Very nice.

[MarineVietVet]

Good work!!! Keep it up.

[marty56]

Great, Great, GREAT!!!!!!!!!!!!!!

[rom828]

WAY TO GO, HAULING!!!!!  A well deserved achievement!!  You learned from your mistakes, purposed to do better and it  has paid off!!

I'm rejoicing with you!!!!  Wowie Zowie!!

I can't wait til I make a similar post.  I've got the CO dropping next year and the PR year after that then I'll finally be free of baddies.  I hope with my new accounts being over a year by the time the CO drops, I'll finally be in your club!!

And once I get in that positive bucket, good Lord willin' and the creek don't rise, I will NOT return to the land of the baddies!!

BIG CONGRATS!!!  

[cobaltnv]

Congrats Hauling and welcome to the high achievers club--your membership is long overdue.

Careful the oxygen levels can get a kinda low up here in the rarified air of the high achievers.

[Scout65]

I am very happy for you HTSU...

Welcome to the nosebleed seats.

[nathan]

    

[debtisgood]

Hauling!

That is great stuff.

I now bow before your EQ score!

[haulingthescoreup]

Thanks, everyone!

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debtisgood wrote:

Hauling!

That is great stuff.

I now bow before your EQ score!

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It's so pitiful --I keep pulling it up and looking at it in disbelief.