topic Re: Creeping up slowly...but surely.... in General Credit Topics

Creeping up slowly...but surely....

Anonymous — Sat, 15 Mar 2008 03:10:36 GMT

Ok, couldnt hold out....still have $11,000 of revolving paydowns yet to report...3 Unauth Mortgage Inq to be removed on Monday or Tuesday....but still, Im so thrilled to see the scores going up! thanks to everyone here...you have no idea how important all of you have become to me....

Your FICO® Scores

FICO® Score

TransUnion 600 3/14/2008

578 3/4/2008

548 2/29/2008

Equifax 568 3/14/2008

564 3/4/2008

546 2/29/2008

562 2/20/2008

Experian 579 3/14/2008

568 3/4/2008

541 2/29/2008

Message Edited by madameozzie on 03-14-2008 08:06 PM

Message Edited by madameozzie on 03-14-2008 08:06 PM

Message Edited by madameozzie on 03-14-2008 08:10 PM

Re: Creeping up slowly...but surely....

Anonymous — Sat, 15 Mar 2008 03:08:20 GMT

Congrats!

Re: Creeping up slowly...but surely....

Anonymous — Sat, 15 Mar 2008 03:22:23 GMT

Congratulations and thank you! When I hear stories about increases like that it's very encouraging to me. I know time should be my BFF, but I'm so terribly impatient,and want to see results now.

Re: Creeping up slowly...but surely....

Anonymous — Sat, 15 Mar 2008 03:24:39 GMT

That's a lot of progress in a short time. Congrats! Any details on how you got the scores moving up so quickly?

Re: Creeping up slowly...but surely....

Anonymous — Sat, 15 Mar 2008 03:40:28 GMT

Well, I paid $14,000 to my revolving .....taking it down from a 103% to 21% total UTL when all is reported( come on, come on, come on!) only $3,000 is reporting as of today though so $11,000 to still report in.

That leaves me with 5 of 11 open accounts with an avg per card UTIL of 7-9 % with the exception of one at 69%..the rest are at a $0 balance

My credit mix is a mortgage, a HELOC reporting as real estate, mix of store cc's, Visa cc's, and MC cc's, 1 install account and a paid auto loan

The $$$ I paid down with was not a new loan...was cash....

I had 1 Unauth Hard Inq from my idiot credit union deletes...a non PP pull that came off today and I still have 1 Unauth Hard Inq per CRA to come off from Quicken Loans, another Non PP pull...they re-ran my CR a month after I inquired about a refi...with out ASKING ME FIRST! Not only are they removing on Monday or Tuesday, but they ar re-imbursing me the $47.85 I had to pay for my 3 scores/reports when the alert hit on a new Inq...the check was sent 3/11/08.....

I also GW'd a med coll due to drop off 11/08- no response yet

Disputed 2 30 day and 2 60 day lates that I KNOW I didnt have because I have auto bill pay-no repsonse yet...shoudl have info by 3/29-4/15 depending on which CRA you ask

So there is still a long way to go for all to report as I hope...Ijust hope I go up, up up without a rebucket!!!

Message Edited by madameozzie on 03-14-2008 08:36 PM

Message Edited by madameozzie on 03-14-2008 08:39 PM

Message Edited by madameozzie on 03-14-2008 08:40 PM

Re: Creeping up slowly...but surely....

dragnldy — Sat, 15 Mar 2008 03:56:31 GMT

Congrats!

Re: Creeping up slowly...but surely....

ngerasimatos — Sat, 15 Mar 2008 05:53:19 GMT

Nice. Those almost resemble what my scores have been doing.

Re: Creeping up slowly...but surely....

Anonymous — Sat, 15 Mar 2008 05:56:42 GMT

congrats! I love seeing others raising their scores too! I am waiting another week or so to see how much mine jumped(if any) after getting a few things deleted!

Re: Creeping up slowly...but surely....

atlastontheroad — Sat, 15 Mar 2008 11:11:20 GMT

Great Job!

I'm going to guess we're in similar buckets (grin). Like you I am impatient; I want to see results!

Paying down UTL to <50% this month, with any luck it will be a watershed and I'll see another significant bump in scores by the end of April.

Re: Creeping up slowly...but surely....

haulingthescoreup — Sat, 15 Mar 2008 15:48:54 GMT

congrats! There's nothing like reducing util to get that score zoom. Hope everything updates soon!

I like the idea of an Impatient Bucket.

Re: Creeping up slowly...but surely....

Anonymous — Sat, 15 Mar 2008 16:14:44 GMT

WTG!

Util has the most impact - so you are on your way to even better scores. Keep us updated.