Not too bad.  

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

You are MUCH better off than most of us around here...

Grats

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Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700
Take the myFICO Fitness Challenge

That is AWESOME!!!!

At 714 your score won't be the deciding factor in credit approvals. Your short history is now the only thing stopping you but that will vary by lender.

Are you going to app for the AMEX Green or Gold in December?

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Starting Score: EQ 658 6/18/12
Current Score: EQ 703 11/9/12 TU 693 10/23/12
Goal Score: EQ 720+ by 6/1/13
Take the FICO Fitness Challenge

Your score is insane.

Rebuilding from scratch 6 months ago, and you have a 714 FICO.   I would consider yourself extremely one of a kind.  I'm gonna guess your history wasn't that bad, and your scores werent THAT low.

I started at 522 TU FICO, 1.5 years ago, when I started my rebuilding process.  Had $27,000.00 in collections from 5 major CC banks.  Basically decided to stop paying for a 5 year period.  1.5 years later, my FICO (TU) is 645............ (and that's opening 4 new accounts, and paying on time).

You have it easy.

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Starting Score: 521 TU, 622 EQ on 6/20/2011
Current Score: 654 TU, 673 EQ
Goal Score: 705 TU, 730 EQ

Take the FICO Fitness Challenge

That is a pretty decent score for where you stand...but as for....

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mtrsprt wrote:

Your score is insane.

 

Rebuilding from scratch 6 months ago, and you have a 714 FICO.   I would consider yourself extremely one of a kind.  I'm gonna guess your history wasn't that bad, and your scores werent THAT low.

 

I started at 522 TU FICO, 1.5 years ago, when I started my rebuilding process.  Had $27,000.00 in collections from 5 major CC banks.  Basically decided to stop paying for a 5 year period.  1.5 years later, my FICO (TU) is 645............ (and that's opening 4 new accounts, and paying on time).

 

You have it easy.

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Score isn't everything. You can have an extremely thin file and get up to the 700s. Just because you have a decent score doesn't guarantee an approval for anything if your file is thin. 

but to OP, keep up the good work, seems like you're on the right track  

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