topic Re: Your lowest FICO when you started rebuilding? in Credit Cards

Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 05:28:38 GMT

And your highest score now?

468 TU <-- then

600 TU <-- now (8 months later)

Re: Your lowest FICO when you started rebuilding?

score_building — Sat, 03 Jan 2009 06:31:49 GMT

then <-- 595 eq

now <-- 713 eq (well right now it's 684, it was 713 in nov/dec)

Re: Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 06:51:56 GMT

By the time I started Paying attention.

04-2007 TU 558

12-2008 TU 716

Re: Your lowest FICO when you started rebuilding?

tempusfugit123 — Sat, 03 Jan 2009 06:56:55 GMT

357 eq in feb 08

675 eq in Jan 09

Re: Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 07:25:50 GMT

@tempusfugit123 wrote:
357 eq in feb 08
675 eq in Jan 09

wow

What did you too to be so close to 350?

Re: Your lowest FICO when you started rebuilding?

bott6698 — Sat, 03 Jan 2009 07:26:01 GMT

Mine are in my sig. Lowest EQ466 and High now EQ 625

Re: Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 08:25:55 GMT

June 2005 -- EQ 440

Jan 2009 -- EQ 651 (In August I had it up to 693)

Re: Your lowest FICO when you started rebuilding?

laz98 — Sat, 03 Jan 2009 11:52:29 GMT

i wasn't rebuilding at the time, because i didn't know what that was, but the lowest my score has ever been was around 470 or so.

my newest scores are in my signature. i'll be getting new ones sometime later this month.

Re: Your lowest FICO when you started rebuilding?

haulingthescoreup — Sat, 03 Jan 2009 14:00:01 GMT

lowest known: EQ 590 (May 2007, 30-day late first posts)

highest ever: EX 752 (Feb 2008, before apporama)

current as in siggy

Re: Your lowest FICO when you started rebuilding?

Scamp — Sat, 03 Jan 2009 14:24:40 GMT

Presumably 0, as once all my baddies had finally gone, I had NOTHING on my reports that I know of (I didn't actually know how to get hold of my reports at this point, though, so I suppose there might have been some odd thing or other on there, but near as I can recall, I had nothing reportable going on in my life - no car, no mortgage, no loans, no baddies, nothing).

Current highest score is TU at 718.

ETA: Before I learned the horrors that high balances inflict on one's scores, about a year after I first started rebuilding, my bank's credit dept. told me my score had dropped to 'below 600' when I called to ask why I had been rate-jacked - no idea how much below; by the time I pulled my own score from here after that convo, it was at 613.

Message Edited by Scamp on 01-03-2009 06:24 AM

Re: Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 14:25:29 GMT

My lowest was Exp: 504 in July of 2008

My highest (as of 12/15/08) is TU at 683

Re: Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 14:49:05 GMT

I was'nt paying attention because I know my credit was screwed but once I start getting offers I decided to check

August '08

540 TU

October 08

742 EX, 673 TU

Jan 09

734 EQ

Re: Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 15:01:01 GMT

I'm not sure if it counts as "rebuilding", but here's my scenario: I've had a CC's since the age of 18. I've NEVER been late, or missed a payment. So, I always assumed my credit was "excellent". I obtained a mortgage, financed cars, and never really payed attention to my FICO.

In 2005, I went to a Lucky Brand Jeans store, applied for a credit card, and I was denied. I was in a state of shock. I thought my identity was stolen. My reason for denial, was due to the fact that I had too much outstanding debt. My scores at the time were: EQ 680, TU 603, and EX 650. I was dumbfounded, as my FICO knowledge was not what it was today.

I paid of 53K in CC debt from May 2005-present. I now have 800 scores on all 3 reports, and always PIF. That denial was a HUGE wake up call for me, and changed my life for the better.

Re: Your lowest FICO when you started rebuilding?

iltph — Sat, 03 Jan 2009 15:32:45 GMT

My EQ was around 450 in Jul 06. I didn't start rebuilding until Mar 08 (when I joined the forums)

Re: Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 16:07:20 GMT

Then: 653 EQ 08Sep08

Now: 724 EQ 31Dec08

Re: Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 16:33:07 GMT

I can't remember when, but my scores were in the low 400's. The worst score was a 415. This is when I started to rebuild and pull things together.

Re: Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 17:25:25 GMT

551 on EQ

Re: Your lowest FICO when you started rebuilding?

marty56 — Sat, 03 Jan 2009 17:34:45 GMT

Most have been in the high 500's low 600's. Debt and # cards reporting a balance was my primary problem.

LOL my available credit back then was far less then total usage I have now. Even at 1% or 0% util!

Re: Your lowest FICO when you started rebuilding?

creditreformer — Sat, 03 Jan 2009 19:32:25 GMT

I don’t know b/c I didn’t pay to have my fico pulled b/c my credit was thrashed. I’m guessing it was in the 300s or 400s b/c even first premier denied me and I’ve never heard of anyone getting denied by them. however, my reports were pretty much a sea of red ink- lates, chargeoffs, collection agencies, judgment, tax lien, etc. name it + I probably had it- outside of medical collections + bk. When I finally got bold enough to pull my ficos after 1 yr of rebuilding (eventually first premier + orchard gave me ccs), they were in the mid-high 500s as of 4/08. Last time I pulled ficos a few mos. ago they were in the high 600s + may be in the 700s by now. I do not feed the fico monster obsessively, so will not know if I’ve hit my 700 fico goal until I pull in a few mos.

Re: Your lowest FICO when you started rebuilding?

Anonymous — Sat, 03 Jan 2009 23:00:37 GMT

In augist my scores were around 530 all around

Now: TU: 584 EXP: 628 EQ: 587