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In the 700's! :-)

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Regular Contributor

In the 700's! :-)

For the first time in my build after learning about credit and how it really works, I have moved into the 700's, and it is all because of you!

As of this morning I am reporting 33% utilization (really less than 1% but last card reports in two more days), 1 30 day late, zero other derogs, 12 years credit history with AAOA around 7 years. Equifax fico 9 put me at 716 with this morning's NFCU update. So incrediably pleased and on my way toward 800!

What do you think my scores are going to do when it drops under 1%? I will get an AMEX update on the 6th, but I am impatient. :-P
Message 1 of 12
11 REPLIES 11
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New Contributor

Re: In the 700's! :-)

Not sure what your score will be, depends how long ago that 30 day late was, but congratulations on crossing over 700 and continue to move in a positive direction. Your credit score is a direct reflection of your patience and discipline, good luck!!






Message 2 of 12
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Regular Contributor

Re: In the 700's! :-)

It is coming on 2 years old. My newest accounts will also cross one year in May. Kind of hoping to be over 760 by June if possible.

And thank you. I am so excited to be gaining good ground. When I first took notice I was around 570 (EDIT: 471 January 2018! Yikes! I went back and looked, lol) the end of 2017. So it has taken time, getting new credit lines and paying things correctly, but I am finally turning things around. 250 points in just over a year!
Message 3 of 12
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Community Leader
Senior Contributor

Re: In the 700's! :-)

Yayyyyy! Congrats!

Discover It: 19.7k
Amex ED: 18k
Citi DC: 6.7k
Citi Rewards+: 3.6k
Bank Americard: 2.8k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 4 of 12
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Valued Contributor

Re: In the 700's! :-)

Have you ever tried to goodwill the late?  If that is your only derog, I would concentrate my efforts on getting that removed.

 FICO 8
Message 5 of 12
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Regular Contributor

Re: In the 700's! :-)

I have. Spent 15 months blasting Navy with goodwills to no avail. NFCU will not remove lates for nothing. It will hit 2 years soon then just have to finish waiting it out.
Message 6 of 12
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Community Leader
Super Contributor

Re: In the 700's! :-)

Congratulations @1984. Great job!


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 7 of 12
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Regular Contributor

Re: In the 700's! :-)

Congrats!!! 1984....The year I graced this planet with my presence!  





Starting FICO-8 as of February, 2019:

Current FICO-8 as of February, 2020:

Message 8 of 12
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Regular Contributor

Re: In the 700's! :-)

@Hybridgunz - what month did you arrive? I am a Leo myself.
Message 9 of 12
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Regular Contributor

Re: In the 700's! :-)

Chase reported me at 1% this morning. I was super excited until I realized they had switched to a vantage 3.0 score and is no longer a fico. I feel stressed. *Sigh* It said I was at 761. But my other "vantage" is at 775. The roller coaster ride from thinking this was a true fico then seeing it isn't sucks.
Message 10 of 12
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