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Your lowest FICO when you started rebuilding?

New Contributor

Re: Your lowest FICO when you started rebuilding?

I vaguely knew about credit scores when I applied for a car loan in july of 2005 with my mom. I knew my credit wasn't the best as I had (or was about to have) 2 charge-offs and one cc becoming closed. The loan officer had this look of disbelief when he said that my (EX) score was around 450 (don't remember exactly)!!! He said with that score there was NO WAY I would even be able to get on the loan : (


After that I only had student loans in my name and it wasn't until june 2007 that I got a legitimate cc offer in the mail from Cap1. It had a $39 annual fee but I decided I was ready to take back control of my credit so I went for it and I WAS APPROVED!!!


It wasn't until october 2008 that I (can't exactly remember why) started doing some FICO research and happened upon this AWESOME community. I finally decided to purchase my EQ score that same month and was a bit disappointed to find my score was 592. I realized that was because my only CC was carrying a big balance and last year I had a big medical bill that went into collection. Since then I have worked very hard putting any extra money I could towards paying off my CC balance as well as my medical collection.


I expect my score to keep going up each month with all the knowledge I've gained here!!! : ) 



The lowest score I was aware of was my EX score in the 450's and my EX score today is 647!!!

When I REALLY started working on rebuilding my score my EQ was 592. Today it sits at 635.


So slowly but surely I'm improving and that's all I can ask for. I'm probably gonna go nuts when I get scores in the 700s though-lol!!!! 


EQ 639
TU 647
Message 41 of 51
Valued Member

Re: Your lowest FICO when you started rebuilding?

My lowest was around 570 on all 3 bureau's around December 08.


I had 5 collections on my account and an unpaid tax lien. I picked away at the collections and did PFD on each of them, but only successful on 3 out of the 5.  The others say paid collection, but weren't re-dated so they still say 2005 which is a good thing (if there is any good thing about collections) as they look older and dont' carry as much weight.  The tax lien was filed on me for a year I was a partial resident of another state while working and simply thought i only had to file in my home state.  Anyways, i filed my taxes (for 2001 mind you) and it turns out they would have owed me almost 1K!  Stupid me....after 2 years you forfeit any money owed to you in taxes....but they can come after you forever it seems!


Fast forward to today, 3/28/09


EQ:716 TU: 668 EX: ?? (but FAKO says 641) - I imagine it's a little higher than that because I have since received a 3000.00 limit on a Zales card and got a CLI on CAP1 cc.

Message 42 of 51
New Contributor

Re: Your lowest FICO when you started rebuilding?

The first time I pulled my FICO score (Equifax) sometime in 2003 it was somewhere around 630, I can't remember with 100% certainty what it was, but I know it was somewhere in that area. As of 03.14.09 it's at 771. I'm not sure where my Experian is because I can't see it anymore, but it was 783 in January, and my TU is 777 as of January this year. Smiley Happy
"Those who expect to reap the blessings of freedom, must, like men, undergo the fatigues of supporting it." -Thomas Paine
Message 43 of 51
Valued Member

Re: Your lowest FICO when you started rebuilding?

Nice scores TheArcher.  I especially like the Lucky 777 score you got.  Hope to be there by mid-year myself.
Message 44 of 51
Senior Contributor

Re: Your lowest FICO when you started rebuilding?

2005 was 580-ish

2009 is 808

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator

09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 45 of 51
Established Member

Re: Your lowest FICO when you started rebuilding?

I had some idea about FICO score but really didn't know how it impacted me.  A couple of years ago I had signed up for some kind of Suze Orman package deal...but again I really didn't understand how these different scores affected me.  So, I know my low score in 2006 was 620.


Then in Dec. 2008 b/c of the down turn in the economy and no one is safe from layoffs...I decided to start paying down debt..and start an Emergency Fund.  I knew that I had allot of discretionary money after I paid the minimum on my cc bills.  So, I started making extra payments on my cc's and putting money towards my EF of $1,000.  I found myfico again and ran my EX score in Feb 12, 2009 and my score was 682.  It was pure luck that I sign onto the webpage the day before they stopped offering the EX score.  Then in March 2009, I decided to sign up for the 30 day free trial for myfico and just found out today b/c of the Score Alert that my EQ score is 719!!!!!!!!!!!!  

Message 46 of 51
Established Contributor

Re: Your lowest FICO when you started rebuilding?

STARTING EQ FICO:  478 (yeah...I know)  4/2011


NOW EQ FICO:  590 (getting better, ways to go still)    8/2012


I have 2 more collections to get off the report, then all that is left is OC cc companies that are still reporting...

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 47 of 51
Established Contributor

Re: Your lowest FICO when you started rebuilding?

528 Exp 11/2007

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 48 of 51
Valued Contributor

Re: Your lowest FICO when you started rebuilding?

Around 520 In early 2009.  I don't remember exactly.  I only had one OD LOC for 1k from Union Bank which I didn't even know about at the time and several CAs and a paid tax lien. The CAs were from utilities that hadn't been closed properly when I moved and the tax lien was my own damned fault. It had been paid immediately when I found out about it.  I hadn't needed or used credit in close to 10 years at the time so my file was otherwise empty.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Message 49 of 51
Frequent Contributor

Re: Your lowest FICO when you started rebuilding?

May 2012 - 490s

July 2012 - 610


Septempber 2012 goal - 640 or more!

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660

Message 50 of 51