topic Re: I THINK I'M GOING TO BE SICK..... in Rebuilding Your Credit

I THINK I'M GOING TO BE SICK.....

CAnNY — Sat, 12 Oct 2013 00:00:19 GMT

So I just had my last baddie come off my Equifax report. Now all three are clean. Since EQ is my mid as far as the last lender pull in early August seen in my siggy below I think. Well I could not wait until my last card of the month updates with my balance, so went ahead and simply paid for my EQ FICO today.

I was expecting maybe a 20 point increase from where it was before like from 627 to maybe 642. Well I could not believe my eyes. MY FREAKIN SCORE IS 719!!!!!!!! OMG I was sooooo not expected that. I had to blink several times and look around the screen to ensure I was not seeing a fake score.

I can not BELIEVE I HAVE MADE IT TO THE 700 CLUB IN 6MONTHS OF REBUILDING!

I feel soooo good right now!

#ShedsTear

Re: I THINK I'M GOING TO BE SICK.....

HectorVictorious — Sat, 12 Oct 2013 00:03:00 GMT

Wow!!! This is amazing! I'm in the same boat. I'm over 60 points above where I started at 3-4 months ago. This forum has been great for me, and I hope that by this time next year I will be in the 700's with you. It is a long road, but I hope to get there.

Congratulations on your success.

Re: I THINK I'M GOING TO BE SICK.....

CAnNY — Sat, 12 Oct 2013 00:31:19 GMT

Thanks so much!

You know seeing 7 anything was the complete furthest from my mind, so you can imagine my surprise.

I am on this site every single day! It helps pass the time since I so thought Oct would never arrive and I am so close now to my mortgage app point that I'm just twitching in my chair. Lol. Now I'm shooting for the 700 club on TU & EX as if the high 6's is no longer good enough. Haha the nerve!

Thanks again MYFICO!!

Re: I THINK I'M GOING TO BE SICK.....

NibblesTreats — Sat, 12 Oct 2013 00:37:17 GMT

WOW! That is awesome! Good for you. I'm hoping I can have the same kind of success. I'm looking to purchase a house next year and I'd love to see my scores go up above 700 by then. I've got 7-9 months before this happens so I'm crossing my fingers!!

Again, congrats!

Re: I THINK I'M GOING TO BE SICK.....

CAnNY — Sat, 12 Oct 2013 00:40:55 GMT

Right now all my cards show a zero bal. What will be interesting to see is how my score will fluctuate when my card that updates at the end of the month with a balance of probably 19% utilization based on the individual card limit and 13% of my combined limit utilization.

Re: I THINK I'M GOING TO BE SICK.....

NibblesTreats — Sat, 12 Oct 2013 00:59:51 GMT

That will be interesting to see. My scores have gone up a bit lately due to some of the work I've been doing, so I've applied for additional credit (which I don't intend to use - but it will look better to have a higher amount of credit available to me.) so I'm curious as to how this is going to affect my scores once they start reporting - which hopefully will be next month.

Re: I THINK I'M GOING TO BE SICK.....

starry1 — Sat, 12 Oct 2013 01:06:49 GMT

That is amazing canny! Congrats!

Re: I THINK I'M GOING TO BE SICK.....

newmomnewme — Sat, 12 Oct 2013 02:50:00 GMT

Yay!!!!!! That is exactly what I want to post after I pay my last baddie off too.... LOL!!!

Re: I THINK I'M GOING TO BE SICK.....

Lasardo — Sat, 12 Oct 2013 07:49:56 GMT

You Rock!
I went from 554 to 727 in 1 year after removing 27 negative items, 6 inquires and opening several new accounts, it can be done now its just a matter of MAINTAINING your score.
Keep it up and congrats!

Re: I THINK I'M GOING TO BE SICK.....

Shogun — Mon, 14 Oct 2013 02:51:23 GMT

Wow!

Re: I THINK I'M GOING TO BE SICK.....

KoolDev — Mon, 14 Oct 2013 03:42:11 GMT

YaY ! mine has made a jump the past few weeks but im in that sit tight mode lol Congrats !

Re: I THINK I'M GOING TO BE SICK.....

goal_digger — Mon, 14 Oct 2013 04:15:48 GMT

Congrats! I had a similar feeling tonight. My TU jumped from a 637 (8/2013) to a 708 (10/13). *high five* // oh.. and #passthekleenex

Re: I THINK I'M GOING TO BE SICK.....

choppa02 — Mon, 14 Oct 2013 04:25:11 GMT

How accurate is TU I have a 670 but my EX is 606 both have the same tradelines weird!

Re: I THINK I'M GOING TO BE SICK.....

CAnNY — Mon, 14 Oct 2013 05:30:03 GMT

Congrats All!

Yeah my EX is the lowest of all too. Not sure why. I have some old TL on all 3 CRA that may even the playing field next year when they fall off since it will be 10years since the accts were closed. I expect a drop although I pray I don't experience a drop in scores at least not before I secure my mortgage loan.

Re: I THINK I'M GOING TO BE SICK.....

Anonymous — Mon, 14 Oct 2013 05:48:58 GMT

Excellent job!