topic Re: Finally TU passes 740 after 3 yrs post BK DC! in Understanding FICO® Scoring

Finally TU passes 740 after 3 yrs post BK DC!

FireMedic1 — Fri, 01 Feb 2019 22:52:40 GMT

As most know. I started in the 500's after BK 2015. Everything was going up and up. EX/EQ passed 750 last year and then some. But TU wouldnt budge past 735. All of 2018 inq's fell off to 0, things got older, 2 new accounts reported, stayed at AZEO or 2 with the newest card from BB&T. Whopping 5 points earned the whole year in 2018. TU does have a lower oldest account by 9 yrs. I was at 4 of 8 accounts reporting or 50% for Nov/Dec. Missed a statement close date. No biggy. $30. So back to 3 of 8 accounts reported in Jan. Got the alert that my balance went down $30 and score change. Hit the app. Score finally passed the 740 mark to 741. Well its about time! Nice to see 3 green discs on the dashboard. Thought TU would never get off their you know what and start moving again like back in 2016-17. So rebuilders stay the course and it does get better! Timeline looks like I almost had to do CPR until now.

Re: Finally TU passes 740 after 3 yrs post BK DC!

Priory_Man — Sat, 02 Feb 2019 00:23:58 GMT

Congrats on the score increase, a great achievement indeed. You are right, it is nice to see all green across the board.

Re: Finally TU passes 740 after 3 yrs post BK DC!

Pikaboo-icu — Sat, 02 Feb 2019 02:42:51 GMT

Fantabulous!!!

Congrats!! All your hard work is paying off!

Good For YOU!

Re: Finally TU passes 740 after 3 yrs post BK DC!

EW800 — Sat, 02 Feb 2019 13:59:14 GMT

Congratulations on your great success! Yes indeed, it is a great feeling. I, too, started my rebuild in the low-500 range and know how great it is to see the improved scores!

Again, congrats!

Re: Finally TU passes 740 after 3 yrs post BK DC!

Remedios — Sat, 02 Feb 2019 15:43:40 GMT

Congratulations!

Re: Finally TU passes 740 after 3 yrs post BK DC!

Brooklyn2018 — Sat, 02 Feb 2019 18:31:58 GMT

Congrats!!

Re: Finally TU passes 740 after 3 yrs post BK DC!

xaximus — Mon, 04 Feb 2019 19:32:49 GMT

Congrats on the hard work and passing 740! Always nice to see a fellow MyFICOer achieving their goals! Now onto 750? 800?

Re: Finally TU passes 740 after 3 yrs post BK DC!

FireMedic1 — Tue, 05 Feb 2019 00:05:31 GMT

@xaximus wrote:
Congrats on the hard work and passing 740! Always nice to see a fellow MyFICOer achieving their goals! Now onto 750? 800?

Thanks Xax and everyone else. It's still a great feeling of accomplishment from the day I walked out that BK Court in Orlando and thought. That was easy. Then it hits you. Now the hard part. REBUILD! Yeah time for 760's. Bring it on!

Re: Finally TU passes 740 after 3 yrs post BK DC!

Rogue46 — Tue, 05 Feb 2019 00:43:00 GMT

That's awesome! Congratulations! I started my rebuild about the same time and just crossed 700's ! Now I just have to let my accounts age and watch it grow!

Re: Finally TU passes 740 after 3 yrs post BK DC!

Anonymous — Tue, 05 Feb 2019 01:34:58 GMT

Hey you keep up the good work,

I WAS WAITING FOR MINE AND IT JUST CAME OFF IN NOVEMBER, I COULDNT WAIT , I WAs in the 7s AND NOT A POINT DID it move . WHY?

I HAD A WRONG INQUIRY REMOVED AND IT JUMPED 40 POIINTS. GO FIGURE. I HAVE HIGH LIMITS ON CARDS AND LOW RATES BUT STILL. I THOUGHT EASY 75 POINT JUMP. ANY WAY KEEP IT UP MYFICO FRIEND. KEEP UP THE GREAT WORK

MAKO50

Re: Finally TU passes 740 after 3 yrs post BK DC!

Anonymous — Sun, 17 Feb 2019 03:19:50 GMT

Thank you for the Kudos. I so enjoy meeting,learning and helping all MyFico Community Members. How many people are in this country (Adults) and how many subscriptions MyFico has. It means alot from people who really care, it means so much to me.

Thanks again

Mako50