topic Re: Big thanks to this community-my first score over 700! in Rebuilding Your Credit

Big thanks to this community-my first score over 700!

Anonymous — Wed, 15 Aug 2018 23:32:56 GMT

I've done sooooo much reading here, which has been incredibly valuable in my journey to repair my credit. I went from 15+ negative items, scores in the low 500's and no credit cards to where I am today. I've got BofA, Discover, Capital One QuickSilver, and Kohl's cards all of which are unsecured as well as a Navy Fed and Citi Bank card which I am hoping will graduate soon. Back in April I was delighted to get an auto loan through my credit union at 6.59%, my last car loan was at a whopping 19% interest rate! Today, just 4 months later, I was able to refi my already low rate to an even lower rate of 4.49%. The icing on the cake was looking at my scores this morning. They are EQ 686, EX 653 and TU 708!!! I've never seen a 700+ score before, so am very excited! I've got a couple things that should be updating on my reports in the next couple weeks that I'm hoping will boost me even higher, hopefully get my EQ over 700 and my EX closer to it. My Ch 7 will be 10 years old in May of 2020, so you better believe I will be asking for early exclusions starting next year!

I'm prepping to buy a home with my fiance, and couldn't be happier. This community has a lot to do with it and I am very greatful!

Re: Big thanks to this community-my first score over 700!

Medic981 — Wed, 15 Aug 2018 23:35:58 GMT

Congratulations!!!

Re: Big thanks to this community-my first score over 700!

Anonymous — Thu, 16 Aug 2018 01:35:15 GMT

Congrats!!!

Re: Big thanks to this community-my first score over 700!

Anonymous — Thu, 16 Aug 2018 01:41:59 GMT

Congrats!!

Re: Big thanks to this community-my first score over 700!

Anonymous — Thu, 16 Aug 2018 01:46:12 GMT

Congratulations!!

Re: Big thanks to this community-my first score over 700!

Anonymous — Thu, 16 Aug 2018 19:12:36 GMT

I just love reading the progress of others! Congrats, OP!

Re: Big thanks to this community-my first score over 700!

Anonymous — Thu, 16 Aug 2018 19:15:22 GMT

Awesome man! Exactly the type of inspiration I need currently

Re: Big thanks to this community-my first score over 700!

Anonymous — Thu, 16 Aug 2018 19:19:39 GMT

Congrats !!!!

Re: Big thanks to this community-my first score over 700!

Anonymous — Thu, 16 Aug 2018 20:36:54 GMT

Congrats on joining the 700 club! I can’t wait to be a member too.

Re: Big thanks to this community-my first score over 700!

Anonymous — Sun, 19 Aug 2018 18:00:25 GMT

Update: EQ fell in line and is now at 703. However, EX actually dropped to 642! I’m not sure why, all reporting is the same on all 3 bureaus. I guess I just need to be patient!