https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Moving-in-the-right-direction/m-p/2027889#M70683 Congrats on your progress thus far, keep up the good work. <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> Thu, 04 Apr 2013 13:42:26 GMT Epcot 2013-04-04T13:42:26Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Moving-in-the-right-direction/m-p/2026339#M70681 <P>I've been a myFICO forum addict for a few weeks now and it has been great feeling like I'm a part of someone else's journey to better credit, mortgage, auto loan, or new credit card. I FINALLY felt like I had made enough progress with the knowledge that I have gotten on here that I wanted to get my actual FICO score. No more FAKOs. When I first checked my scores with Equifax(using their FAKO score) it was bleak. EQ 534&nbsp;<img id="smileyembarrassed" class="emoticon emoticon-smileyembarrassed" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-embarrassed.gif" alt="Smiley Embarassed" title="Smiley Embarassed" /> EX 589 TU 557. I even was using CK, QUIZZLE, CREDIT SESAME to try to get some kind of idea of where I was. But there was a glimmer of hope when I checked my FICO Wal-Mart score and it was a 659. Well today, I am happy with the gains that I have made and how much my score and I have grown. My true FICO scores are TU 673<img id="smileysurprised" class="emoticon emoticon-smileysurprised" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-surprised.gif" alt="Smiley Surprised" title="Smiley Surprised" /> EQ 631 ( a little low but I worked hard to get here.) So I just wanted to share my mini accomplishment so that someone else who may feel bleak about their score can see with a few changes and some great information wonderful things can begin to happen. So, if my scores are trending the way I think they might then my TU score is my middle score and I will soon be shopping for a house. Thanks to everyone for all of your input, opinions, advice, and knowledge. It has been a great help, not just to the OP but to all of us looking to improve.</P> Thu, 04 Apr 2013 01:15:08 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Moving-in-the-right-direction/m-p/2026339#M70681 Anonymous 2013-04-04T01:15:08Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Moving-in-the-right-direction/m-p/2027889#M70683 Congrats on your progress thus far, keep up the good work. <img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> Thu, 04 Apr 2013 13:42:26 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Moving-in-the-right-direction/m-p/2027889#M70683 Epcot 2013-04-04T13:42:26Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Moving-in-the-right-direction/m-p/2031627#M70713 <P>Congrats, it takes time. Remember, "Nothing of any value comes easily."</P> Fri, 05 Apr 2013 10:36:17 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Moving-in-the-right-direction/m-p/2031627#M70713 bettercreditguy1 2013-04-05T10:36:17Z https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Moving-in-the-right-direction/m-p/2032973#M70719 Inspired! Fri, 05 Apr 2013 19:06:48 GMT https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Moving-in-the-right-direction/m-p/2032973#M70719 knightlynews 2013-04-05T19:06:48Z