topic Yay 28 point increase! in Rebuilding Your Credit

Yay 28 point increase!

Anonymous — Sat, 17 May 2008 17:59:36 GMT

Saw an alert today in email from WAMU today. I have free WAMU FICO score tracker. Told me my FICO went up 20 points!

Well I logged in and checked....
April 08 was 527
May 08 was 555!

Not sure what caused it, I sent out some GW's, opened some disputes with all 3 CRAs. I do know Chase sent me a letter, they removed an account that was not mine. I paid off collections, which should have reflected. Too many variables, but will find out soon! Hope it hits at least 600 by June, if my disputes work!

Thanks again for all the help here.

Message Edited by Sushi on 05-17-2008 10:59 AM

Re: Yay 28 point increase!

Anonymous — Sat, 17 May 2008 18:11:46 GMT

Sushi wrote:
Saw an alert today in email from WAMU today. I have free WAMU FICO score tracker. Told me my FICO went up 20 points!

Well I logged in and checked....
April 08 was 527
May 08 was 555!

Not sure what caused it, I sent out some GW's, opened some disputes with all 3 CRAs. I do know Chase sent me a letter, they removed an account that was not mine. I paid off collections, which should have reflected. Too many variables, but will find out soon! Hope it hits at least 600 by June, if my disputes work!

Thanks again for all the help here.

Message Edited by Sushi on 05-17-2008 10:59 AM

congrads! keep in mind that paying a collection will not raise your score unless it is deleted or reports paid as agreed. The deletion of chase,if it was a baddie will help!

Re: Yay 28 point increase!

Jazzytimes — Sat, 17 May 2008 20:55:52 GMT

WOW congrats. I have been waiting for the same thing for a month now. my wife has the wamu cc. when i pulled her report, I noticed utilization was hurting her badly. as a result i paid BOFA 1500, thus a zero balance.

other changes included credit limit increase from

BOFA 3000---7000 total

Macy's of $700---2700 total

Davi's Bridal 1400---5400 total

in addition we paid as much credit card bills as possible and did so ontime

Her Wamu score is 679. I look forward to a big increase

I've read that wamu does a score check on the first of every month and upgrade on the 20th

I just checked today and her score was still at 679 as April 1, 2008

can't wait....

Message Edited by Jazzytimes on 05-17-2008 01:55 PM

Re: Yay 28 point increase!

Anonymous — Sun, 18 May 2008 03:12:01 GMT

Wamu, Fako, Fico....whatever. You're moving in the right direction so go ahead and celebrate. Congrats.