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700 CLUB

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Anonymous
Not applicable

700 CLUB

Started 18 months ago with low 400 scores across the board and found this forum. I put into practice the valuable information everyone here shares and started student loan rehab and paid off collections "some were pfd", got a 200 secured cap one.

I made some mistakes along the way and felt defeated at times but I kept reading that "it's a marathon not a sprint" Today Experian notified me that my score increased to 704.

Current cards:

Navy amex 21,000

Navy cash. 23,000

Amex Gold. Npsl

Amex Ed.  3,000

Disco.   1,000

Cap plat. 500

THANK YOU to everyone that shares their wisdom , because without all of you this would not be possible !

Message 1 of 8
7 REPLIES 7
thornback
Senior Contributor

Re: 700 CLUB

So happy for you - congratulations!!!  700+ is such a milestone Smiley Wink    

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"
Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA:
4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:  


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 8
AllZero
Mega Contributor

Re: 700 CLUB

Congratulations on your success!

Message 3 of 8
2GreenThumbs
Frequent Contributor

Re: 700 CLUB

Congratulations!  It's great to see hard work paying off, right?


Message 4 of 8
KLEXH25
Valued Contributor

Re: 700 CLUB

That is an amazing accomplishment in 18 months! Congratulations and keep it up!



Message 5 of 8
newfossil
Valued Contributor

Re: 700 CLUB


@Anonymous wrote:

Started 18 months ago with low 400 scores across the board and found this forum. I put into practice the valuable information everyone here shares and started student loan rehab and paid off collections "some were pfd", got a 200 secured cap one.

I made some mistakes along the way and felt defeated at times but I kept reading that "it's a marathon not a sprint" Today Experian notified me that my score increased to 704.

Current cards:

Navy amex 21,000

Navy cash. 23,000

Amex Gold. Npsl

Amex Ed.  3,000

Disco.   1,000

Cap plat. 500

THANK YOU to everyone that shares their wisdom , because without all of you this would not be possible !


Congratulations!🎉 




Starting score - May 2018

April 2021

AAoA - 1 year 6 months
Message 6 of 8
Anonymous
Not applicable

Re: 700 CLUB

Congratulations! Keep it up 👍 

Message 7 of 8
Anonymous
Not applicable

Re: 700 CLUB

congrats!!

i was in the same boat back in october.

 

my scores were in the 500s.

i started paying off collections and got the cap one platinum secured with $200 sl.

 

it's improving but i want all 3 to be in the 700 club.

 

hoping to be in your shoes by end of the year

Message 8 of 8
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