Re: from 501 to 689 in 12 mos.

rootpooty · ‎11-14-2012

Down to one baddie left but not going to mess with it being it falls off in 5 mos. Started wtih 7 derogs with zero credit history. Tonight I will request my secured card with NFCU be unsecured as well as an APR decrease. Hoping for a 5k limit.

I also have a BOFA secured card but Im going to wait and see how the NFCU account turns out and after they report I'll hit up BOFA. Not going to get too excited about BOFA though if im lucky and I mean lucky they are likely to give me my 300.00 back and increase the limit to 1,000 but I wont count on it.

Im going to close (PUTTING FLAME SUIT ON) my first premier card. This card is actually a secured card that only has a 50.00 year fee but surprisingly they didnt charge it at the year mark last month and there are no other fees despite the horrific reviews people give here.

If everything goes well with NFCU ill also apply with Chase freedom and walmart and thats it until that last derog falls off then who knows.

Someone get me some anti itch cause I dont want to keep scratching it! lol

****UPDATE**** NFCU approved for 5000.00. They asked how much I wanted I told them 5000.00

djrez4 · ‎11-14-2012

Nicely done!

webhopper · ‎11-14-2012

Amazing progress you've made there rootpooty!!!

Good Luck with NFCU... I sense that it will have a very positive outcome!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!

wallyworld123 · ‎11-14-2012

I am happy for you thats a gr8 accomplishment and you should be proud of yourself 501-689 wonderful. I love nfcu i know you have been waiting patiently for this day to come. I am rooting for you big time!

Jutz · ‎11-14-2012

Wow, congrats!

Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
Starting total revolving credit: $1100 | Current total revolving credit: $36,700
Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014

Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000

Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL

Epcot · ‎11-14-2012

Good job on your progress! Hope NFCU and others show you some love now! Keep us posted.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841

distantarray · ‎11-14-2012

that's great =) nice to see others getting huge jumps in scores in a short time. in 2 months try to dispute the items as obsolete they'll often remove early if it's close enough I was even worse than you last year =)

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

Cadillac-XTS · ‎11-14-2012

Congrats

Hightechredneck · ‎11-14-2012

I should have filmed my burning FP card! Congrats!

Repo-ed · ‎11-14-2012

nice work!!! I hope to see similar results come Feb (My 12 mo. mark)

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

from 501 to 689 in 12 mos. UPDATE

from 501 to 689 in 12 mos. UPDATE