topic Re: I'm in the Orange! in Rebuilding Your Credit

I'm in the Orange!

Anonymous — Tue, 09 Jun 2015 16:16:00 GMT

Ha! No more red! Equifax just updated from an inquiry (Discover kicked me to the curb again) and its now 583. Too bad my UTI% is about to kill it!

Re: I'm in the Orange!

Anonymous — Tue, 09 Jun 2015 16:17:34 GMT

Awesome, Norman!!!! Congrats, bro!!!

Re: I'm in the Orange!

Anonymous — Tue, 09 Jun 2015 18:58:33 GMT

YAY! Congrats on the bump! Keep it up and soon to be in the Yellow!

Re: I'm in the Orange!

TRC_WA — Tue, 09 Jun 2015 19:00:20 GMT

Grats LOL...

I don't believe I know your story. Did you file BK or no?

Re: I'm in the Orange!

Anonymous — Tue, 09 Jun 2015 19:04:54 GMT

@TRC_WA wrote:
Grats LOL...

I don't believe I know your story. Did you file BK or no?

I have a BK from '07, but I'm trying to recover from more recent stuff. 4 recent judgments and a buttload of collections.

Re: I'm in the Orange!

TRC_WA — Tue, 09 Jun 2015 19:11:53 GMT

@Anonymous wrote:
@TRC_WA wrote:
Grats LOL...

I don't believe I know your story. Did you file BK or no?
I have a BK from '07, but I'm trying to recover from more recent stuff. 4 recent judgments and a buttload of collections.

Good luck... there is light at the end of the tunnel. I'm 6 years and 2 months in... and I can see it.

Re: I'm in the Orange!

Anonymous — Tue, 09 Jun 2015 19:17:31 GMT

Isn't it so cool when you get that alert & you log in to see a nice, shiny new color? I got an alert this morning. For the dreaded EX. Holy heck! What's possibly on there NOW?!? Pleasant surprise instead. +20 to 671 makes all of my scores "good"/yellow.

Re: I'm in the Orange!

2b2rich — Tue, 09 Jun 2015 20:01:21 GMT

That's great, they keep climbing and climbing. You're doing something right

Re: I'm in the Orange!

Anonymous — Tue, 09 Jun 2015 23:41:22 GMT

Congrats! I remember that feeling. Keep it up

Re: I'm in the Orange!

crrredit — Tue, 09 Jun 2015 23:44:22 GMT

Awesome! Congratulations, Norman!

Re: I'm in the Orange!

Rebuilding69 — Wed, 10 Jun 2015 07:40:21 GMT

Grats Norman!

Re: I'm in the Orange!

creditstalker — Wed, 10 Jun 2015 13:20:18 GMT

Congrats Norman :-)

Re: I'm in the Orange!

Anonymous — Wed, 10 Jun 2015 14:00:34 GMT

Congrats!

Re: I'm in the Orange!

Anonymous — Thu, 11 Jun 2015 16:45:16 GMT

Update:

Experian just received the Barclays balance update to $468. Score moved from 592 to 594. Cap One balance has not hit yet.

Re: I'm in the Orange!

Anonymous — Thu, 11 Jun 2015 23:16:51 GMT

Annnddd..... Equifax just got updated with new balance on Barclays - down 10 points to 573. Any one want to make a bet which way TU moves? LOL

Edit - EQ just updated, not EX.

Re: I'm in the Orange!

2b2rich — Thu, 11 Jun 2015 23:01:39 GMT

@Anonymous wrote:
Update:

Experian just received the Barclays balance update to $468. Score moved from 592 to 594. Cap One balance has not hit yet.

@Anonymous wrote:
Annnddd..... Experian just got updated with new balance on Barclays - down 10 points to 573. Any one want to make a bet which way TU moves? LOL

Is EX being wishy washy or was one of those suppose to be EQ? I say TU will go down a bit? Mine dropped drastically when a new account hit with a zero balance.. different trigger I know, but it's all a crap shoot!

Re: I'm in the Orange!

Anonymous — Thu, 11 Jun 2015 23:21:25 GMT

@2b2rich wrote:
@Anonymous wrote:
Update:

Experian just received the Barclays balance update to $468. Score moved from 592 to 594. Cap One balance has not hit yet.
@Anonymous wrote:
Annnddd..... Experian just got updated with new balance on Barclays - down 10 points to 573. Any one want to make a bet which way TU moves? LOL
Is EX being wishy washy or was one of those suppose to be EQ? I say TU will go down a bit? Mine dropped drastically when a new account hit with a zero balance.. different trigger I know, but it's all a crap shoot!

Yeah, the second was supposed to be EQ, for some reason I always seem to mix them up. It updated earlier in the week when an inquiry triggered it and it rose 14 points. I'm geussing it was the result of some lates aging past 24 months. TU bumped up "just because" at the beginning of the month, and I figured it was those lates aging. I'm expecting it to drop 5-10 points. We'll see.....

Re: I'm in the Orange!

EW800 — Thu, 11 Jun 2015 23:30:13 GMT

Congratulations, Norman!

I like your "just because" comment! It seems like at times that is about all it takes for a FICO score to change - Just Because!

Re: I'm in the Orange!

2b2rich — Thu, 11 Jun 2015 23:34:41 GMT

All 3 of my scores have been on a roller coaster ride for the past week and it's not over. First, I think I hit the magic inquiry number for EQ and TU because EQ dropped about 15, and TU, that combined with 2 really old accounts that must have been more of a plus for my length of credit than their lates were impacting it, disappeared and it dropped 37 pts (from 662 to 625)

At least I know there are no baddies at all on TU now so hopefully it's all up from here.

(oh and now all of the new accounts from the spree are beginning to hit, which seems to b a mix of bad and good.. still have 2 or 3 more accounts to start reporting)

Re: I'm in the Orange!

Anonymous — Fri, 12 Jun 2015 19:25:32 GMT

Well, quite literally the alert simply said "your transunion score has changed", nothing else being noted as changing in my report, so it apparently changed "just because".

All my other alerts are for something in my report changing.