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Im sitting at my desk crying!

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Anonymous
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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!!!!

21 REPLIES 21
Anonymous
Not applicable

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
Anonymous
Not applicable

Re: Im sitting at my desk crying!

thank you so much Irish! Im getting there!

Message 3 of 22
Gidgetmom
Frequent Contributor

Re: Im sitting at my desk crying!

Congratulations!  Nice work!

Message 4 of 22
Anonymous
Not applicable

Re: Im sitting at my desk crying!


@Anonymous 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
UncleB
Credit Mentor

Re: Im sitting at my desk crying!


@Anonymous 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
Indycoltsfan
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
EW800
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...
April 2023: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $48.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $22.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $21K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $296K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 8 of 22
Anonymous
Not applicable

Re: Im sitting at my desk crying!

Awesome work! Congrats!

Message 9 of 22
Anonymous
Not applicable

Re: Im sitting at my desk crying!

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

Message 10 of 22
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