topic Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!! in Credit Cards

40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

texasman07 — Thu, 01 Dec 2011 17:01:11 GMT

Thanks MYFICO forums. Checked today and I now have a 680 TU score. Was shocked!!! 40 Point jump all from having an old Collection drop off after disputing it about 10 times.

Started off with Charge offs and multiple collections and now....drum roll please......No delinquincies or baddies of any kind!!!! I cant believe. Success of cleaning up my reports, staying on top and not accepting NO for an answer.

The collection also fell off my Equifax report and now waiting for Experian........

Feels great. I have all the credit I need for a while. and just going to garden from here on out.....

thanks again everyone

Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

Anonymous — Thu, 01 Dec 2011 17:02:01 GMT

Congrats

Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

Creditaddict — Thu, 01 Dec 2011 17:06:39 GMT

You mention you are just gardening... what credit did you get before these baddies came off with TU?

Oh and super congrats... My TU just went the same direction as yours... now if the others would follow!!!

Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

Anonymous — Thu, 01 Dec 2011 17:13:48 GMT

Congratulations!!! That's a wonderful score jump and it must feel soooooo good to have all of your baddies gone! I'm really happy for you.

Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

texasman07 — Thu, 01 Dec 2011 17:14:55 GMT

I started with all the sub prime cards:

First Premier

Credit One

HSBC Orchard.

Kept those for bout a year then closed them off. During that process apped for GEMB cards. Got approved for Walmart, AEO, Gap, Banana, Old Navy.....CLI's every 4 months.

Got BOFA Secured and CITI Secured.

Then finally last month my CU gave me a 1000.00$ VISA Rewards card.

also a line of credit for my checking account.

all in all I had about 14 baddies that I paid some, disputed all....and it really paid off

I have a lot of new credit in the past 2 years so that is now one thing that is hurting my score. Plust my utilization is at 52 % AND I AM GOING TO BRING THAT DOWN IN 3 MONTHS.

Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

texasman07 — Thu, 01 Dec 2011 17:17:42 GMT

TO TELL YOU THE TRUTH, I SHOULD HAVE GONE ON THESE FORUMS FIRST BEFORE APPING, IF I LIST ALL MY CARDS YOU WOULD BE SHOCKED THAT I HAVE SO MANY STORE AND GAS CARDS.

I PROBABLY HURT MY SCORE MORE BY DOING SO BUT I THOUGHT THE MORE THE BETTER TO SHOW I CAN HANDLE ALL THESE CARDS.

Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

Creditaddict — Thu, 01 Dec 2011 17:20:29 GMT

I have a lot of store cards too... no biggie but I probably would add another Visa or two... get utilization down and Barclay would be a good one, I just got approved last week for Apple.

Hoping my secured Navy from last year unsecures this month but we will see.

Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

texasman07 — Thu, 01 Dec 2011 17:24:27 GMT

I USE ALL MY STORE CARDS AND PIF AS SOON AS I MAKE THE PURCHASE. I BUY A LOT OF CLOTHES FOR WORK AND SOCIAL EVENTS SINCE I TRAVEL A LOT FOR MY JOB I HAVE TO HAVE NICE CLOTHES.

ITS HELPED SINCE I HAVE TO SPEND THE MONEY ANYWAYS AND I GET REWARDS

WITH THE GAS CARDS I HAVE (AND I HAVE A LOT) I USE THEM FOR WORK ALSO. I CHARGE GAS FOR MY RENT A CAR THEN GET REIMUBURSED FROM MY COMPANY A WEEK LATER.

IT HAS HELPED

SINCE I COULDNT GET A VISA OR MASTERCARD WITH A HUGE LIMIT AND I NEEDED TO SAVE IT FOR AIRFARE AND HOTEL HAVING GAS CARDS CUTS ME FROM PUTTIN IT ON MY VISA OR MASTERCARD

Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

CS800 — Thu, 01 Dec 2011 19:23:01 GMT

Nice score jump !!

I hope to get a similar jump once my collection drops off next year.

Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

mAndrew1980 — Thu, 01 Dec 2011 20:21:44 GMT

Wow!!!! 40 point increase is HUGE! Your hard work and effort is paying off. Soon you'll be in the 700 club. The meat and potatoes of rebuilding is cleaning our reports. Once that is done, it's smooth sailing from there. You'll be in great shape moving forward. Congrats!

Re: 40 Point Jump!! 680 TU SCORE!!!!!!!!!!!!

Anonymous — Thu, 01 Dec 2011 20:32:32 GMT

@texasman07 wrote:

I have a lot of new credit in the past 2 years so that is now one thing that is hurting my score. Plust my utilization is at 52 % AND I AM GOING TO BRING THAT DOWN IN 3 MONTHS.

CONGRATULATIONS on the 40 point increase!!!

Now, I am anxious to see what your score will be when you get your utilization down and all your new credit ages -- there's nowhere to go but up!!!