topic Re: My scores are climbing!!!!!!!!!!!!!! in Credit Cards

My scores are climbing!!!!!!!!!!!!!!

farmgirljen — Sun, 13 Jun 2010 15:49:24 GMT

I am so glad that I found this site! I worked on cleaning things up on my CR for the last 6 months, and in that time have come up from the low 500's with no TU score at all to yesterday's scorewatch scores of TU 665 and EQ 633. In february I got a secured card from my CU and with careful usage over the last couple of months I have watched my scores increasing... It feels good to see my credit improving!

Re: My scores are climbing!!!!!!!!!!!!!!

Anonymous — Sun, 13 Jun 2010 17:47:48 GMT

Nice job there, farmgirljen!

Keep up the good work!!

Re: My scores are climbing!!!!!!!!!!!!!!

Iincognito — Sun, 13 Jun 2010 21:17:10 GMT

Nice, Keep it going! Grats!

Re: My scores are climbing!!!!!!!!!!!!!!

Want-a-better-FICO — Mon, 14 Jun 2010 05:13:51 GMT

Congrats I am in the same battle and it TRULY feels good when your coming from the bottom. One thing I have noticed though, is my score goal continues to increase. I remember when I would have been happy with just a 620 score but not anymore, it's like a drug the more the better the score the more you want.

Re: My scores are climbing!!!!!!!!!!!!!!

Anonymous — Mon, 14 Jun 2010 22:57:47 GMT

I couldn't agree more. In 9/08 my FICO was 513 - I had to finance a car at 14.75%.

In 3/09 I bought a new car, my FICO was 635. Financed at 7.9%

Now, three months later, my FICO jumped to 703! So in less than 2 years, I managed to get my score up almost 200 points.

How did I do it? Paid everyone off, worked with the collection companies to get PFD. Refi'd my student loans and I think the biggest factor was TIME. Thankfully the baddies on my report are now 5+ years old...