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Student24 wrote:

I'm new here so I'm not quite sure where everything is. Thanks for all your help!

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I've been here a year (sounds like I was committed?) and I still get lost. Take your time to look around. You'll get your bearings soon enough. 

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work

please send me your excel sheet to:

Mod cut! Edited to remove personal information. 

We are not allowed to post our personal information or that of others in the forums, this includes both mailing and email addresses. Please feel free to use the forum's PM (private messaging) system when sharing personal info.

Thank you for your cooperation!  

--fused, myfico moderator 

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Starting Score: 690
Current Score: 690
Goal Score: 850

Take the FICO Fitness Challenge

I would like to see the spreadsheet.  I just had my score drop six points because I PAID OFF MY MORTGAGE!  Apparently doing so makes me less creditworthy.  I did get an explanatory note along with the notice that my score had dropped.  It pointed out that reducing the level of debt could result in an improvement in one's score, because less debt is better.  I never had much confidence in that, and now I have specific evidence.  At least I have confirmed my misgivings about FICO.

This is awesome. You sir (or ma'am) have nailed it!

Finally got TU spotless, from Busboy in Jan '10 to King in Oct '10.

EQ sucks.

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Starting Score: EQ 730 -- TU 763
Current Score: EQ 764 -- Walmart TU FICO 9/6/11 775
Goal Score: EQ 800 -- TU 800

Take the FICO Fitness Challenge

Congrats on achieving royalty!

I worship your crown......

Okay.  Maybe not worship.  But I definitely high-five it!

And I do the woot!-woot! dance. 

Thanks haulingthescoreup and beamMEup!!!

Yesterday's score was bumped up to 763, only 12 more till Emperor.

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Starting Score: EQ 730 -- TU 763
Current Score: EQ 764 -- Walmart TU FICO 9/6/11 775
Goal Score: EQ 800 -- TU 800

Take the FICO Fitness Challenge

I finally made it to Govenor but at the least I won't be satisfied until i'm QUEEN!!! 

ETA:  My TU reports says i'm QUEEN!!!!  I'm soo excited!  I've been repairing my credit since 2007 and what seemed like lightyears ago, I must say it didn't take long at all compared to how long it took to get myself into this mess. 

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Starting Score: EQ 729, TU 752, EX ? (1/1/2011)
Current Score: EQ 696, TU 718, EX 686 - PSECU (5/17/2011)
Goal Score: ALL 800+ by December 31, 2011
Take the FICO Fitness Challenge
PROUD MEMBER OF THE 700 CLUB!

Finally got EQ clean - pulled a 764 today!

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Starting Score: EQ 730 -- TU 763
Current Score: EQ 764 -- Walmart TU FICO 9/6/11 775
Goal Score: EQ 800 -- TU 800

Take the FICO Fitness Challenge