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Im sitting at my desk crying!

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Frequent Contributor

Im sitting at my desk crying!

Im literally sitting at my desk crying as I type this. Tears of joy .  My credit score just shot up 65 points!!! And for some reason it made me very emotional. I guess because I have been working so very hard on my credit. Trying to fix the mistakes I made when I was younger. A year ago I didnt even qualify to get a payday loan. No one would extend me any kind of credit.  I was so very frustrated and depressed. And then I found this forum. I thank God for this forum and all of you who contribute. I literally couldnt have done it without you. I am still not where I want to be. But I thank God I'm not where I was.  I started out with a 403 Fico score .  Today my transunion shot up from 596 to 656 today. I have no clue what changes or what casued the jump. It didnt say tbh.  I mean thats a huge jump. And I'm just so proud of myself for doing the work. Thank you to anyone and everyone who contributes to this forum. You guys are rockstars!!!!

As of 6/30/2017 - EQ:598 TU:589 EX:645 GOAL:750 All around the board
In the Garden since 12/16/2016~ Gardening until 7/1/2018

"You will receive better cards as your profile improves and any baddies fall off. It's just a process like climbing stairs. As your profile improves, you are able to go to the next level of cards. - baller4life
21 REPLIES 21
Moderator

Re: Im sitting at my desk crying!

Congrats on the score increase and the credit reuild.  Well done and I wish you continued good luck.

Message 2 of 22
Frequent Contributor

Re: Im sitting at my desk crying!

thank you so much Irish! Im getting there!

As of 6/30/2017 - EQ:598 TU:589 EX:645 GOAL:750 All around the board
In the Garden since 12/16/2016~ Gardening until 7/1/2018

"You will receive better cards as your profile improves and any baddies fall off. It's just a process like climbing stairs. As your profile improves, you are able to go to the next level of cards. - baller4life
Message 3 of 22
Frequent Contributor

Re: Im sitting at my desk crying!

Congratulations!  Nice work!

Message 4 of 22
Senior Contributor

Re: Im sitting at my desk crying!


@Songburd18 wrote:

thank you so much Irish! Im getting there!


It's a wonderful feeling isn't it? Stay the course, and it will only get better and better.

Message 5 of 22
Moderator

Re: Im sitting at my desk crying!


@Songburd18 wrote:

Im literally sitting at my desk crying as I type this. Tears of joy .  My credit score just shot up 65 points!!! And for some reason it made me very emotional. I guess because I have been working so very hard on my credit. Trying to fix the mistakes I made when I was younger. A year ago I didnt even qualify to get a payday loan. No one would extend me any kind of credit.  I was so very frustrated and depressed. And then I found this forum. I thank God for this forum and all of you who contribute. I literally couldnt have done it without you. I am still not where I want to be. But I thank God I'm not where I was.  I started out with a 403 Fico score .  Today my transunion shot up from 596 to 656 today. I have no clue what changes or what casued the jump. It didnt say tbh.  I mean thats a huge jump. And I'm just so proud of myself for doing the work. Thank you to anyone and everyone who contributes to this forum. You guys are rockstars!!!!


Huge congrats on the awesome score increase!

 

I've moved your thread to 'Understanding FICO Scoring' so that you can get additional feedback on what in particular might have contributed to your increase... there's no reason to slow down now!

 

Not to mention, there might be some folks who could use some of your data points to help them on their own FICO journey!  Smiley Wink

 

Again, great job, and keep up the fantastic work!  Smiley Very Happy

Message 6 of 22
Regular Contributor

Re: Im sitting at my desk crying!

Congratulations on the huge increase!  Credit can be emotional because we also tend to remember what circumstances led us to the low scores - job loss, divorce, health issues,etc and we feel that we are continually being punished for that rough patch in our lives.  Remember that it was a road bump and you are wiser and are stronger in the credit game,  Best of luck on your credit journey - you are seeing great results!


 

Message 7 of 22
Valued Contributor

Re: Im sitting at my desk crying!

Congratulations on the great work and score increases!  403 to 656 is phenomenal!  

 

Yes, this can be a very emotional journey.  Keep up the great work! 

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Oct 2019: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $39.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $16.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $270K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 8 of 22
Established Contributor

Re: Im sitting at my desk crying!

Awesome work! Congrats!

Fell of the wagon -- Gardening starting again 2/25/18- ???
Message 9 of 22
Senior Contributor

Re: Im sitting at my desk crying!

 congrats.  Now onward to 700...It wont be long

Message 10 of 22
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