Established Member
Edk83
Posts: 19
Registered: ‎11-07-2012
Thank you all! Huge score boost

‎12-19-2012 05:40 AM

Thank you all here for your advice. I was on 623, now on 735!!! Delighted, thanks to myfico! Got the one collection deleted and got a secured card from cap1

(474 Views)
 
Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012
Re: Thank you all! Huge score boost

‎12-19-2012 05:46 AM

Congrats!

 

Movin' on up!!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13
(469 Views)
 
Established Contributor
electra
Posts: 513
Registered: ‎10-21-2012
Re: Thank you all! Huge score boost

‎12-19-2012 07:00 AM

Congrats!! HUGE improvement!  Was that in just a little over a month??


Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board

Take the FICO Fitness Challenge
(444 Views)
 
Valued Contributor
Jutz
Posts: 1,142
Registered: ‎05-10-2012
Re: Thank you all! Huge score boost

‎12-19-2012 07:16 AM

Good god, nice boost!

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)

Starting total revolving credit: $1100 | Current total revolving credit: $7000

Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013


2013 Goals:
New Car
700 Club
AMEX Member

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800
(436 Views)
 
Established Member
Edk83
Posts: 19
Registered: ‎11-07-2012
Re: Thank you all! Huge score boost

‎12-19-2012 07:23 AM

A month's work there alright, Experian FAKO is 725 and credit karma FAKO is 635? Anyway the Fico score is what matters I guess!

(430 Views)
 
Regular Contributor
Mishwatson
Posts: 121
Registered: ‎12-02-2012
Re: Thank you all! Huge score boost

‎12-19-2012 07:45 AM

Can you tell us what you did to get eras deleted? & congrats! 

(406 Views)
 
Established Member
Edk83
Posts: 19
Registered: ‎11-07-2012
Re: Thank you all! Huge score boost

‎12-19-2012 08:13 AM

Sent a PDF to the collection agency. Think they agreed as I caught them reporting shadow payments!

(390 Views)
 
Moderator
Moderator
Shogun
Posts: 7,374
Registered: ‎04-15-2011
Re: Thank you all! Huge score boost

‎12-19-2012 08:28 AM

Awesome job, congrats!!!

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
(380 Views)
 
Valued Contributor
Rhaeny
Posts: 1,109
Registered: ‎07-24-2011
Re: Thank you all! Huge score boost

‎12-19-2012 09:10 AM

Edk83 wrote:

Sent a PDF to the collection agency. Think they agreed as I caught them reporting shadow payments!

What are shadow payments?


Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
April Scores: EX 722 (USAA), TU 669 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 4/8/2013
(358 Views)
 
Moderator
Moderator
Shogun
Posts: 7,374
Registered: ‎04-15-2011
Re: Thank you all! Huge score boost

‎12-19-2012 11:49 AM

It seems some creditors will list false payments.  Unkown why, unless to change the DOLA which is irrelevant.  Now if they change the DOFD because of false payments, that's a huge issue.

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
(319 Views)