topic Re: Credit Score Thank you MyFico Members in General Credit Topics

Credit Score Thank you MyFico Members

Anonymous — Mon, 11 Apr 2011 23:19:14 GMT

I could have never achieved this without you guys/gals, I know its not the best score, but coming from a 583 November last year, not too bad if I say so myself. A lot of hard work and opening some new accounts, paying ALL of them on time (actually early every month) and getting my util low. Thank you sooooo much!!!! My payment history would be Excellent if it wasn't for the inaccurate Charge Off listing on my report from 5 years ago

I hope posting this pic is OK, I couldn't figure out how to get it to NOT link to Imageshack. Actually I figured it out woo hoo!!

Re: Credit Score Thank you MyFico Members

MarineVietVet — Mon, 11 Apr 2011 23:16:05 GMT

Passing the 700 mark is quite a milestone and you should be very proud of your hard work. Congratulations!!

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Credit Score Thank you MyFico Members

llecs — Tue, 12 Apr 2011 01:25:34 GMT

WTG! Awesome!

Re: Credit Score Thank you MyFico Members

Anonymous — Tue, 12 Apr 2011 03:04:40 GMT

Awesome congrats! I will be joining you one day hopefully!!

Re: Credit Score Thank you MyFico Members

Anonymous — Tue, 12 Apr 2011 19:00:08 GMT

You've done a great job! Congratulations!!!

Re: Credit Score Thank you MyFico Members

DI — Wed, 13 Apr 2011 01:00:37 GMT

Congrats!!

Re: Credit Score Thank you MyFico Members

Anonymous — Wed, 13 Apr 2011 21:08:32 GMT

Thanks to all who replied!

I'm hoping that when AmEx starts to report my new Blue Cash card backdated to 91 that I might see another small score increase.

Re: Credit Score Thank you MyFico Members

Anonymous — Thu, 14 Apr 2011 17:23:55 GMT

I know how it feels and congratulations man. Just remember to be wise on what you apply for and play it conservative.

Re: Credit Score Thank you MyFico Members

iDShaDoW — Thu, 14 Apr 2011 17:40:10 GMT

Nice, now all you gotta do is have some patience and in 2 years when that charge off disappears you'll probably get a nice boost towards your goal.

Just wondering, but you never tried to dispute the inaccurate charge off?

Either way, it'll fall off the same time those hard inquries for "Too many new accounts" stops affecting you too.

Keep it up!

Re: Credit Score Thank you MyFico Members

Anonymous — Fri, 15 Apr 2011 00:08:35 GMT

@iDShaDoW wrote:
Nice, now all you gotta do is have some patience and in 2 years when that charge off disappears you'll probably get a nice boost towards your goal.

Just wondering, but you never tried to dispute the inaccurate charge off?

Either way, it'll fall off the same time those hard inquries for "Too many new accounts" stops affecting you too.

Keep it up!

Yes I have tried disputing the CO several times with no luck, yet, I'm still disputing every 60 days or so, so I will still hold some hope.

The first acct I opened was 6/10 then 9/10 and two in 12/10 and the latest AmEx Blue Cash 3/11 but AmEx only pulled EX,.

I have 4 inquiries on EQ and TU and 3 on EX. I have 4 Starter Cards (500-750CL's) and now I finally have a prime card, the AmEx Blue Cash (2,000CL) and I'm (AU) on my Fathers AmEx (16,000CL opened in 84) The Blue Cash is backdated to 91 but has not been reported to the CRA's as of yet. I assume it will show up sometime around the 22-27 of this month, so I'm wondering if I should app for another AmEx once the Blue Cash shows on my CR since they only pull EX and I can probably have that one backdated to 91 as well, so neither of them will list as new accts. This way I'll have two prime cards both will list as 20 years old on my reports and the cards CLI will grow, and maybe get rid of 1 or 2 of those starter cards with AF's that the CL's will never grow.

I'm just not sure what the right "next" move is.....app for one more AmEx or garden for a year or so?????

Any thoughts or suggestions? I'd greatly appreciate any advice.

Re: Credit Score Thank you MyFico Members

iDShaDoW — Sat, 16 Apr 2011 04:27:31 GMT

Wish I could give you some sound advice but I only know basic stuff myself.

If your report said that you have too many new accounts, maybe it'd be better for you to try and get CLI's on the 4 starter cards you have (assuming you can attempt it without getting hard inquiries made).

Maybe app'ing for another AmEx could work too if it'd be done within the window period where they consider multiple inquiries as one.

Hopefully someone else'll chime in.

Re: Credit Score Thank you MyFico Members

Anonymous — Sat, 16 Apr 2011 13:17:09 GMT

@iDShaDoW wrote:
Wish I could give you some sound advice but I only know basic stuff myself.

If your report said that you have too many new accounts, maybe it'd be better for you to try and get CLI's on the 4 starter cards you have I have tried getting CLI's on all my starter cards, even with a perfect payment history and 0 balances on them every month, I do use them but PIF with the exception of one every month leaving a small balance on the one for util purposes. Cap1 especially flat out denies every time, they do not do customer initiated CLI's, the same with HSBC and GEMB.(assuming you can attempt it without getting hard inquiries made).

Maybe app'ing for another AmEx could work too if it'd be done within the window period where they consider multiple inquiries as one. I think this only applies to rate shopping, not CC's, so even if I apped for 3 AmEx cards the same day I'd still get 3 hards, but the good thing about AmEx is that I could have the card backdated to 91 so it wouldn't list as a new acct and they only pull from EX.

Hopefully someone else'll chime in.

Thank you for the reply, I really appreciate it, I see you have an AWESOME EX score, thats what I'm shooting for!!

Thanks again and have a great weekend.

Re: Credit Score Thank you MyFico Members

Anonymous — Sat, 16 Apr 2011 15:15:00 GMT

@Anonymous wrote:

I could have never achieved this without you guys/gals, I know its not the best score, but coming from a 583 November last year, not too bad if I say so myself. A lot of hard work and opening some new accounts, paying ALL of them on time (actually early every month) and getting my util low. Thank you sooooo much!!!! My payment history would be Excellent if it wasn't for the inaccurate Charge Off listing on my report from 5 years ago
I hope posting this pic is OK, I couldn't figure out how to get it to NOT link to Imageshack. Actually I figured it out woo hoo!!

Had an Inquiry fall off EQ today....EQ has always been my "Red headed stepchild" and now I finally get to see a 700 for my EQ score!!!!! YAY!!

Re: Credit Score Thank you MyFico Members

Anonymous — Sun, 17 Apr 2011 23:21:10 GMT

I'm inspired by your success. Congratulation!

Re: Credit Score Thank you MyFico Members

Anonymous — Mon, 18 Apr 2011 21:30:19 GMT

@Anonymous wrote:
I'm inspired by your success. Congratulation!

Thank you very much, from the looks of your scores, you're not very far behind.

Keep doing what you're doing and you'll reach your goal of 777 before you know it.

I wish you the Best of Luck!!!

And most of all, pay attention to what the more experienced members here have to say, they know their stuff, without them and the MyFico Forum, I would not know half of what I know today.....and I learn something new just about everytime I log in to MyFico.

Re: Credit Score Thank you MyFico Members

Anonymous — Sat, 19 Nov 2011 19:23:26 GMT

Sorry to drag up an old post, I just wanted to share, that raising your scores and building good credit can be done, and in some cases it does not take years. And it wasn't very long after I started this thread that HSBC CO was removed from my reports, raising my scores quite a bit, my TU 727 went to 784 and my EQ went from 700 to 777 literally overnight.

I want to wish the best of luck to all of you who are going thru the same thing I went thru, the same success I have had.

Keep on Keeping on, and do NOT give up!!

Re: Credit Score Thank you MyFico Members

Anonymous — Sun, 20 Nov 2011 01:26:09 GMT

WOW! CONGRATULATIONS! YOU ARE AN INSPIRATION

Re: Credit Score Thank you MyFico Members

Anonymous — Sun, 20 Nov 2011 03:08:37 GMT

Mustang --- you are our hero!

Can you tell me what 4 starter cards you got and when you first got them. I see that you only went up 27 points from 583 to 610 from March to November (8 long months), but then, from November of last year to November of this year --- up UP UP --- showing us all that, by this time next year, many of us should have GREAT scores

Your story is the perfect example for those of us who feel like this credit rebuilding game is comparable to watching paint dry. Slow and steady conquers this goal. Yet, MUCH can be done in one year's time.

Thank you again for keeping me encouraged, it helps more than you know.

Re: Credit Score Thank you MyFico Members

Anonymous — Sun, 20 Nov 2011 15:09:43 GMT

All I can say is congratulations on all of your hard work. I agree everyday I come to this site I learn something new and see many inspiring stories like yours. Keep up the good work.

Re: Credit Score Thank you MyFico Members

Anonymous — Sun, 20 Nov 2011 15:23:20 GMT

@Anonymous wrote:
Mustang --- you are our hero!

Can you tell me what 4 starter cards you got and when you first got them. I see that you only went up 27 points from 583 to 610 from March to November (8 long months), but then, from November of last year to November of this year --- up UP UP --- showing us all that, by this time next year, many of us should have GREAT scores

Your story is the perfect example for those of us who feel like this credit rebuilding game is comparable to watching paint dry. Slow and steady conquers this goal. Yet, MUCH can be done in one year's time.

Thank you again for keeping me encouraged, it helps more than you know.

My first four starter cards........

6/10 Cap1 300 CL Credit Steps Program, after my third statement bumped to 500 (where it still sits today)

9/10 Cap1 500 CL Credit Steps Program, after my 6th statement bumped to 750 (where it still sits today) Both Cap1 cards will be closed before the AF hits next year if Cap1 does not show me some luv.

12/10 HSBC Discover 400 CL (where it still sits today) I will be closing this card in one week.

12/10 GEMB PayPal Smart Connect 500 CL>>625CL>>2150 CL now.

Thank you all for your responses, I'm just glad that I can be an inspiration to you, I have said before, if my story can inspire just one person here at MYFico, that makes every single word I type worth every single second I'm here.

You guys/gals just keep on keeping on, and you WILL achieve your goals as I have.

Thank you again for the kind words.