topic Re: New Bucket...maybe??? OMG!!! in Rebuilding Your Credit

New Bucket...maybe??? OMG!!!

BungalowMo — Wed, 05 Aug 2009 22:20:58 GMT

Your TransUnion FICO® score is very good!!!!

Your TransUnion FICO® score: 732

On August 5, 2009

I could NEVER have done this without all the help from my FICO Family here!!!!!!!

Re: New Bucket...maybe??? OMG!!!

llecs — Wed, 05 Aug 2009 22:33:33 GMT

Woooohoooo!

A few months ago I noticed that my scores would change overnight when pulled on the last day of the month to the first day of the following month. I do that religiously now. I'd look at your report and look on pages 2 or 3. I bet a TL reached a new birthday or something like that. If I recall correctly (away from the office), in June, my oldest TL increased on TU from 8 yrs and 5 months to 8 yrs and 6 months. This was my only change from one report to the next and my TU FICO increased 40-50 points.

Re: New Bucket...maybe??? OMG!!!

BungalowMo — Wed, 05 Aug 2009 22:38:15 GMT

@llecs wrote:
Woooohoooo!

A few months ago I noticed that my scores would change overnight when pulled on the last day of the month to the first day of the following month. I do that religiously now. I'd look at your report and look on pages 2 or 3. I bet a TL reached a new birthday or something like that. If I recall correctly (away from the office), in June, my oldest TL increased on TU from 8 yrs and 5 months to 8 yrs and 6 months. This was my only change from one report to the next and my TU FICO increased 40-50 points.

Oh...it was a WFNNB baddie. 30 days x 2 & a 60. I sent them a GW online...got a ph message to call. She said the acct wasn't in their system....came home...disputed...dropped off all 3!!! EQ gave me 15 pts...TU gace me 29!!

Re: New Bucket...maybe??? OMG!!!

3elizabeth — Wed, 05 Aug 2009 23:12:16 GMT

I am so jealous, I'm about to change my name to GreenEyedMonster. Actually I have beautiful green eyes, but can't get my score to move fast enough, so I'm very jealous! Thanks for sharing. Good for you!!!!

Re: New Bucket...maybe??? OMG!!!

BungalowMo — Wed, 05 Aug 2009 23:23:23 GMT

3elizabeth...oh, let me tell ya, a couple years ago I was sitting where you are. It does take time & persistence, but all the advice here works!!! Believe me!

You WILL get there! I promise ya! Have you read the sticky at the top..."what steps do I take?" If not...do so!

Those med collections you have....have you read up on the HIPAA process to get the collections deleted when paid?? (I'm pretty sure thst's how it works) If not...let me know.

Re: New Bucket...maybe??? OMG!!!

3elizabeth — Wed, 05 Aug 2009 23:39:54 GMT

Thanks! Oh, yeah, I have read 2782 posts (no kidding--I'm an addict). I know that my main problem is the one t one medical and the 75% UTL (still owe $487 and will do HIPPA on that one soon). I'm in the middle of the HIPPA process on my other ones and my daughter's CR's.

I know we both have to work on UTL, but after that, I'm hoping for some better days. I think that the best part of this whole thing is knowing that we are not alone. I'm alone in so many ways and felt like everyone I know was doing so well with life in general and had great credit and I was stuck with bad credit and a life that basically sucks.

Anyway, I'm going to get going on GW's too. I read tonight that someone had success with Wells Fargo Auto Finance, so I'm encouraged.

Thanks for taking time to answer and helping so many people. Great idea, these forums!

Message Edited by 3elizabeth on 08-05-2009 04:39 PM

Re: New Bucket...maybe??? OMG!!!

Anonymous — Wed, 05 Aug 2009 23:47:39 GMT

WOW, I am trying to get to your level, lol. Congrats!!!! I think I will be content with 740's across the board and no baddies.....I'm going to try to not be so obsessed with scores and credit once I get to that point. I mean i'll still make sure my score doesnt drop. I'm all about happy mediums and I think 740's would be a VERY happy medium for me. LOL. I will bet you'll be in the 800 club not too long from now....

Re: New Bucket...maybe??? OMG!!!

BungalowMo — Thu, 06 Aug 2009 00:28:02 GMT

Thanks! Yeah, mid 7's will certainly work!I just wish that EQ was on the same level! They're so stingy with points!!!!!

Re: New Bucket...maybe??? OMG!!!

Anonymous — Thu, 06 Aug 2009 00:37:04 GMT

Congrats!!!

Re: New Bucket...maybe??? OMG!!!

miay2k4 — Thu, 06 Aug 2009 01:16:50 GMT

It is so good to hear when someone get's closer and closer to their goals. I LOVE THIS FORUM.....CONGRATS

Re: New Bucket...maybe??? OMG!!!

marty56 — Thu, 06 Aug 2009 01:21:02 GMT

WTG!!

Re: New Bucket...maybe??? OMG!!!

DI — Thu, 06 Aug 2009 01:34:53 GMT

Congrats!

Re: New Bucket...maybe??? OMG!!!

MarineVietVet — Thu, 06 Aug 2009 04:51:51 GMT

Good job!!!

Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".

Re: New Bucket...maybe??? OMG!!!

Anonymous — Thu, 06 Aug 2009 09:47:13 GMT

@BungalowMo wrote:
Your TransUnion FICO® score is very good!!!!
Your TransUnion FICO® score: 732
On August 5, 2009

Dude, that sux! I take personal offense that your score is better than mine and I'm going to make a formal request for the mods to either delete this post, or lower your FICO to at least 10 points below mine!

Re: New Bucket...maybe??? OMG!!!

BungalowMo — Thu, 06 Aug 2009 11:41:23 GMT

@Anonymous wrote:
@BungalowMo wrote:
Your TransUnion FICO® score is very good!!!!
Your TransUnion FICO® score: 732
On August 5, 2009
Dude, that sux! I take personal offense that your score is better than mine and I'm going to make a formal request for the mods to either delete this post, or lower your FICO to at least 10 points below mine!

HAHAHA....AND I TAKE OFFENSE THAT YOU CALLED ME A DUDE!

Re: New Bucket...maybe??? OMG!!!

Anonymous — Thu, 06 Aug 2009 13:38:07 GMT

@BungalowMo wrote:

HAHAHA....AND I TAKE OFFENSE THAT YOU CALLED ME A DUDE!

DON'T! Dude was not meant to be gender-specific... But, if it makes you feel any better, I'll retract that and make it Dudette instead... LMAO!

Congrats on the nice score!

Re: New Bucket...maybe??? OMG!!!

Anonymous — Thu, 06 Aug 2009 13:40:58 GMT

And besides that, I have a propensity to offend anyway - that's why signature contains the pre-apologetic "my bad" - so I was covered anyway!

Re: New Bucket...maybe??? OMG!!!

BungalowMo — Thu, 06 Aug 2009 14:14:08 GMT

hehehe....you crack me up!!!

Re: New Bucket...maybe??? OMG!!!

daisyduke — Thu, 06 Aug 2009 14:14:50 GMT

Congrats BungalowMo - terrific news. Leaves hope for the rest of us in the time consuming process.

Change I can believe in!!

Re: New Bucket...maybe??? OMG!!!

TheVerdict — Thu, 06 Aug 2009 15:14:18 GMT

CONGRATS!!!!! I'M SO EXCITED FOR YOU. I CAN'T WAIT UNTIL IT GET THERE!