07/18/2012 Update.

Received SW alert and found that my CreditOne card began reporting and gave me a boost of 34 points. Still waiting on Capital One to report. I got that first and it still hasn't reported. Statement cuts today i think so hopefully it'll report in the next few days.

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Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)

7/26/12 - Receive SW alert. Found score went up 10 points. Decided to pull report and found 2 inquires dropped and my Capital One also reporting.

I am 16 points shy of my goal for this year for EQ . I will have to check TU next month and update.

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Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)

Congrats!!!  Im still waiting to recieve my Capital One card.  Im excited about it and cant wait.  

Thank you! And I know the feeling of waiting. Congrats on the card and good luck on your rebuilding journey.

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Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)

10/8/12

Update - Received a score watch alert on 10/4. Logged in a saw that my score went from 610 to 647. Still have the same two credit cards and credit builder loan that were opened this June. Have been using those and sometimes pif and only report < 10 util, other times I have let them report up to 70% util. So far have seen a 10 point drop in score when util is high.

** Not sure why score jumped 37 points - maybe accounts have been aging?

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Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)

You are doing a great job, nothing beats on time payments and keeping credit utilization low......keep it up and you will continue to see favourable outcomes.

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Starting Score: 500s
Current Score: EQ: 680myFICO(9/7/12), TU: 689myFICO(9/2/12), EX Plus:682(lp,4/16/12)
Goal Score: 700
Wallet: Discover More 1k, Capital One Platinum 1.5K, Barclays Apple Finance Visa 2.7k.
Take the FICO Fitness Challenge

So I applied for three cards this week. Got approved for 2 out 3. I was denied for Discover IT w/ reason being Bankruptcy, approved for Walmart (not sure if Discover or store), and Express store card (shop there once in a blue). The two approvals were instant, not sure if I should bother with doing a recon with  Discover. I got the 7-10 with them and then received the denial letter. Hopefully I am in their system and maybe i'll get a pre approval later on.

Time to go back to the garden for a bit. Going for Barclays 2013 holiday season.

After discharge 02/12 I have:

Capital one 1250  06/12

CreditOne 500    06/12

Walmart 600  04/13 (had a GECRB charge-off in 2006-- Back in with them!)

Express  250  04/13

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Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)