App Spree - Credit recovery mode!

[myjourney]

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@roniram wrote:

Update -  Since I have joined MyFICO, I have learned a great deal about credit that I have been trying to apply.  I never realized that one of my problems was I didn't have enough credit, and my utilization was suppressing my scores.  Now that I was able to apply for credit that I knew I had a be cretter chance at qualifying for, it has allowed me to increase my credit scores dramatically in a short period of time.  My TU score has increased (approx) 50 points, my Experian score is up 4 pts, and my Equifax is up 21 pts - all in a span of 14 days!  Needless to say, I am very happy with the progress I have had.  I am now going to garden for the next 12 months, and work on lowering my utilization % to the 1 - 9 range that I've read is the most effective.  I've decided to leave my old collections alone and let them age out in two years.  

Thanks again for the information.  This board is great!

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Your doing a wonderful job keep up the good work and see you in the garden

[roniram]

I'm there, I'm there!  See the little leaves coming up? 

[myjourney]

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@roniram wrote:

I'm there, I'm there!  See the little leaves coming up? 

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As a matter of fact I do Lol

[HYPASS33]

Congrats!

[roniram]

Update -  I was able to payoff all my credit cards!  I ran into some extra money, and now my utilization is at 1.59%!  I can't wait to see what that will do to my scores.  I was at 71% utilization before, so hopefully my scores will go up quite a bit.  My My FICO Equifax score is 629, so I'm hoping to see a dramatic increase...(cross my fingers).  If anyone is interested, I'll post an update when I get my new scores.

[09Lexie]

Congrats on paying down your debt and please update with your scores.

[TheConductor]

Oh yeah!  High five!

Paying down that debt should get you a very nice score boost indeed.  Congrats on a great milestone!  

[myjourney]

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@roniram wrote:

Update -  I was able to payoff all my credit cards!  I ran into some extra money, and now my utilization is at 1.59%!  I can't wait to see what that will do to my scores.  I was at 71% utilization before, so hopefully my scores will go up quite a bit.  My My FICO Equifax score is 629, so I'm hoping to see a dramatic increase...(cross my fingers).  If anyone is interested, I'll post an update when I get my new scores.

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Bravo on paying off the debts and yes we look forward to an update as to how scores respond 

[Dustink]

I'm thinking around 700! Woot

[djc1puno]

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@roniram wrote:

Update -  I was able to payoff all my credit cards!  I ran into some extra money, and now my utilization is at 1.59%!  I can't wait to see what that will do to my scores.  I was at 71% utilization before, so hopefully my scores will go up quite a bit.  My My FICO Equifax score is 629, so I'm hoping to see a dramatic increase...(cross my fingers).  If anyone is interested, I'll post an update when I get my new scores.

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hell yeah i want an update! wtg with paying down debt! whoo-hoo!