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Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
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Re: What will get me from 624 to 640 ? ----I DID IT!!!

I was at the LO's again today to drop some stuff off.  This weasel came in saying he was a "credit repair specialist.  I'm sure some of your customers could use my help.  I'll be happy to come in and give you a brief presentation."  

 

It was so funny.  LO and I laughed our arses off after he left.

 

 

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
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Re: What will get me from 624 to 640 ? ----I DID IT!!!

WOOHOO!  I just got a SW alert that my EQ score is up 5 points to 635!    (JCP reported at zero, FINALLY).

 

Scorewatch is doing a pretty good job this week of catching my score increases - I've gotten two in six days!!!

 

I can't wait until my last account reports that zero.  We'll see if that's true about only having one card report a balance in my case, 

This is so fun!  I feel like I just hit the jackpot.  Maybe this will help sustain me through the inquiries.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Regular Contributor
TheR105
Posts: 111
Registered: ‎03-21-2011
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Re: What will get me from 624 to 640 ? ----I DID IT!!!

Congrats! I have read so many of your post and you're wonderful. You very much deserve all the blessings you are receiving.
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
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Re: What will get me from 624 to 640 ? ----I DID IT!!!

What a nice thing to say, TheR105.  Thank you.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
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Re: What will get me from 624 to 640 ? ----I DID IT!!!

CREDIT KARMA IS OFFICIALLY WORTHLESS!!!!!!!!!!!!!  THEY HAVE DH'S SCORE AT 576 AND LO PULLED ALL 3 SCORES  today AND ALL  WERE WELL OVER 650.  NOW, THAT ISN'T EVEN CLOSE!!!!!! 

 

For anyone needing to jack up your score, get an AU account.  That's what got him sky high fast!  Oh yeah, and the judgment that they deleted for him (and not me but o well).

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
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Re: What will get me from 624 to 640 ? ----I DID IT!!!

Am so frustrated and confused.  FINALLY all my revolving credit lines have reported to TU and EQ.  I've been waiting for this day for months and weeks and days.  Three reporting Zero, one reporting 25/1000.

 

NO SCORE CHANGE!  I followed the advice to a T.  I got where I needed to be so I'm not freaking out or anything, but sadly disappointed that I didn't get the big bump I was hoping for.

 

Saturday is my SW day.  NOTHING.

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Valued Contributor
p-
Posts: 2,655
Registered: ‎06-05-2008
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Re: What will get me from 624 to 640 ? ----I DID IT!!!


Booner72 wrote:

Am so frustrated and confused.  FINALLY all my revolving credit lines have reported to TU and EQ.  I've been waiting for this day for months and weeks and days.  Three reporting Zero, one reporting 25/1000.

 

NO SCORE CHANGE!  I followed the advice to a T.  I got where I needed to be so I'm not freaking out or anything, but sadly disappointed that I didn't get the big bump I was hoping for.

 

Saturday is my SW day.  NOTHING.


Bummer...  But at least you got what you needed.  Maybe that matters more once you move to another scoring bucket.  You might have gotten as good as you get until another big baddie falls off.

12-15-14: FICO EXP: 813 - EQU:802 - TRAN: 756 - AVG: 790 +240 points from JUN 2008 - MY CREDIT JOURNAL

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Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: What will get me from 624 to 640 ? ----I DID IT!!!


Booner72 wrote:

Am so frustrated and confused.  FINALLY all my revolving credit lines have reported to TU and EQ.  I've been waiting for this day for months and weeks and days.  Three reporting Zero, one reporting 25/1000.

 

NO SCORE CHANGE!  I followed the advice to a T.  I got where I needed to be so I'm not freaking out or anything, but sadly disappointed that I didn't get the big bump I was hoping for.

 

Saturday is my SW day.  NOTHING.


Aaack, I'm so sorry to hear that!

 

What are the negatives on your reports? If high util isn't one of the top ones, then I guess that reducing reported util might not have much impact.

 

But FWIW, you've done pretty much all you can, and from here on out, your scores will get better and better.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
0

Re: What will get me from 624 to 640 ? ----I DID IT!!!

I have a lot of negatives.  8-9 paid medical collections, 2/2010 judgment (because of those medical collections) and a 2005 BK.  Because I have good compensating factors and scores high enough to qualify, and over 12 months clean credit, and was approved through automated underwriting, LO says I qualify for FHA.

 

I guess we'll see. 

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011
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Re: What will get me from 624 to 640?


MarineVietVet wrote:

Booner72 wrote:

MV:  How many points do you think I will get when my new utilization reports down from 31% to 1%?  3 cards reporting 0, one w/ a 1000 limit I'm leaving 25.

 

I know you probably hate this question as there are too many variables.  You have excellent scores and lots of experience.  So give it your best shot, if you don't mind.

 

THANKS


I am reminded just about every day how much I don't know about all this but all any of us can do is try our best.

 

From 31% to 1%? You're not going to hold me to my answer are you??  :smileyhappy:

 

If nothing else pops up (meaning no new negatives) perhaps 10-15 points. (I try and be conservative so that if it happens to be more we'll both be happier.  :smileyhappy:  )  BUT..........there are many others here that have done this much longer and are therefore much better at guessing, estimating, etc. what might happen.

 

Just let all of us know what does happen when everything updates ok?

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


MV:
Hey, just thought about this - you were spot on with your guess.  My EQ didn't budge a point higher than 635 after doing everything I did.  Luckily TU saved the day - Just wanted you to know I always appreciated your replies and let you know you are a GOOD GUESSER!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720

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