topic Re: Officially gained 100+ points!!! in General Credit Topics

Officially gained 100+ points!!!

BrandonSS — Tue, 26 Oct 2010 19:11:07 GMT

Today Scorewatch informed me that my score changed to 644. That's officially over 100 point gain since I started fixing things in March/April!

EDIT/UPDATE: 10/26/2010 - EQ up to 663!

HUGE thank you to myFICO!!!! Notably: Ilecs, Haulin, Marinevietvette, O6, CreditAddict and of course the rest of the community for added input and support for everyone! Great system you have here!

I will know tomorrow or at least soon if my only judgment of $573 (PAID back in 2006) will be vacated. The judge is pulling it on the 20th.

AND my Capital One card (my only open CC) second statement is the 21s, so i predict it to finally post to my credit reports and give me a nice bump! I already absorbed the inquiry and will report a measly $7 on this statement

Re: Officially gained 100+ points!!!

MarineVietVet — Tue, 19 Oct 2010 17:22:41 GMT

That's good news!!

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800, 10/10-813
TU - 10/10-774
You can do the same thing with hard work

Re: Officially gained 100+ points!!!

Anonymous — Tue, 19 Oct 2010 17:25:29 GMT

That's super great!!!! To raise it by 100 pts in 7 months is what I wish for. How did you do it. I disputed many things on my credit report and many were deleted. Now I need to up my score so I'm looking into a secured credit card. Any advice?

Re: Officially gained 100+ points!!!

BrandonSS — Tue, 19 Oct 2010 17:29:07 GMT

Pay off old debts, try to get old collections removed with PFD, good will anyone and everyone, stay current with accounts, and get a card or secured card. Thats the step I am on myself. I got a Capital One card on September 1st. Approved for a small $300 credit line. I've been using it daily and paying off the balance multiple times a month just to earn rewards cash back and now it should finally be posting to my credit report in the next few days (woot!). Oh and follow the advise you get on here!

Re: Officially gained 100+ points!!!

MarineVietVet — Tue, 19 Oct 2010 17:39:04 GMT

@Anonymous wrote:

That's super great!!!! To raise it by 100 pts in 7 months is what I wish for. How did you do it. I disputed many things on my credit report and many were deleted. Now I need to up my score so I'm looking into a secured credit card. Any advice?

Hi workingmom.

A great place to get advice and suggestions is over on the Rebuilding Your Credit board. If you start a new thread over there giving some of your details (nothing personal) you can begin your journey. Good luck to you!!

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800, 10/10-813
TU - 10/10-774
You can do the same thing with hard work

Re: Officially gained 100+ points!!!

llecs — Tue, 19 Oct 2010 18:56:39 GMT

Congrats Brandon!!

Re: Officially gained 100+ points!!!

marty56 — Tue, 19 Oct 2010 22:11:37 GMT

You know you can loose the points if you celebrate too much if you are a Dallas Cowboy fan.

Seriously great news, WTG.

Re: Officially gained 100+ points!!!

MarineVietVet — Tue, 19 Oct 2010 23:34:29 GMT

@marty56 wrote:

You know you can loose the points if you celebrate too much if you are a Dallas Cowboy fan.

Seriously great news, WTG.

As a friendly reminder there are certain things which are not allowed to be discussed on these forums but the most important one is:

No one is to make fun of the Cowboys!!! Am I going to have to lock this thread to stop this nonsense????

From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800, 10/10-813
TU - 10/10-774
You can do the same thing with hard work

Re: Officially gained 100+ points!!!

BrandonSS — Wed, 20 Oct 2010 00:56:20 GMT

@marty56 wrote:
You know you can loose the points if you celebrate too much if you are a Dallas Cowboy fan.

Seriously great news, WTG.

No worries there, from Indy... GO COLTS!

Thanks again guys!!!

Re: Officially gained 100+ points!!!

llecs — Wed, 20 Oct 2010 01:04:18 GMT

@BrandonSS wrote:

@marty56 wrote:

You know you can loose the points if you celebrate too much if you are a Dallas Cowboy fan.

Seriously great news, WTG.

No worries there, from Indy... GO COLTS!

Thanks again guys!!!

I'm gonna stop helping you Brandon. We were close on Sunday....3 points....3 measly points.

Re: Officially gained 100+ points!!!

BrandonSS — Wed, 20 Oct 2010 01:21:16 GMT

@llecs wrote:
@BrandonSS wrote:

@marty56 wrote:
You know you can loose the points if you celebrate too much if you are a Dallas Cowboy fan.

Seriously great news, WTG.

No worries there, from Indy... GO COLTS!

Thanks again guys!!!
I'm gonna stop helping you Brandon. We were close on Sunday....3 points....3 measly points.

I bet you loved all of our freebies (turnovers). We canned our return after his 2 fumbles lol good game

Re: Officially gained 100+ points!!!

hotmom — Tue, 26 Oct 2010 13:31:57 GMT

WOW congrats...I hope to do the same within that time frame so that I can purchase my first home. Your post was really encouraging...thanks!!!

Re: Officially gained 100+ points!!!

BrandonSS — Tue, 26 Oct 2010 19:09:58 GMT

@hotmom wrote:
WOW congrats...I hope to do the same within that time frame so that I can purchase my first home. Your post was really encouraging...thanks!!!

Thanks! They actually went up more today See my sig. Just shows how much this forum can help! I couldn't have gotten where I am so far without the help I've received here. So dig in and good luck hotmom

Thanks myFICO!

Re: Officially gained 100+ points!!!

BrandonSS — Wed, 27 Oct 2010 18:25:25 GMT

Wow! My Tranunion score went up 62 points since 9/24/10!!? Was 615, now 677!!!! The only change I see is the addition of the card. I printed both off and I'm comparing them side by side, page by page...

whoops, meant to put this in my other thread.