Sorry.. I had it on the application forum so I thought might be redundant... Here it is..
I applied and denied for a BoA secured card 2 years ago and in the letter, my Ex FICO was 493.
I read thru as many posts as possible and learnt a lot and today my scores are EX-702, TU-803 & EQ-703.
I got an EE from TU, for a collection I had. My score was 694 and when it was removed it shot up 109 points and landed me in 800 world.
Below are the data points:
AAOA: 2 years 9 months
AoOA: 8 Years 7 months
AoYA: 12 months
INQ:
EX: 14/24, 0/12, TU: 6/24,0/12, EQ: 4/24, 0/12
Open Cards:
Disco: $10/$2900 Opened Oct2017
QS1: $0/$500 Opened Feb 2018
USB HDVisa Secured: $0/$500 Opened Feb 2018
Credit One: $0/$450 (Opened Oct2017 & Closed Nov2018)
Loans:
Car Loan from Toyota, opened Sep2017
Self Lender: opened Feb 2018 and completed Feb 2019.
Old accounts:
BoA credit card: opened 07/2010-closed 03/2012 never late
Car loan: opened Apr 2011- Closed 03/2012 never late
Collection: Apartment collection which I do not agree on the charges and the collection agency, NCC did not agree for PFD for $2523 so I did not pay it and it is from Sep2012
