What was your score a year ago?

[Anonymous]

Now that's what I'm talkin' about!

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NurseInNeed wrote:

Hey everybody. I'm new to this board, (and replying to any message board for that matter). But I just had to respond to this thread.

A year ago I was in way over my head in debt and didn't even answer my phone due to creditors always harrassing me. I checked my Equifax score one year ago today, and was so devastated when it read 501

But then I became determined to change it. And over the last year paid off $12,000 in credit card debt. Today my scores are:

Experian 643

TransUnion 634

Equifax 627

My goal for next year is to jump to 720+. (keeping my fingers crossed)

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[Anonymous]

Two years ago, I had around $95,000 debt. I was swinging in debt. I had $80,000 in student loans for Undergraduate and graduate & around 15,000 credit card. My credit score was around high 500 and low 600.

I paid $40,000 of my student loans and I owed $10,000 of credit cards.  I was able to pay that much of my debt by living at home. I have 37 years old and I am hoping to finish paying all my debt by the time I am 40 years old. At the same time, moving to my new house.

My score is as follows:

TU: 770; EX 700; EQ: 650 

[Anonymous]

I year and 1 week ago (up from 480 in Dec 06)

Report for TIMOTHY  on April 21, 2007 Click here to return.
Your FICO score from Experian :
533
April 21, 2007

Accounts Summary
Number of accounts 18
Number of accounts with balances 10
Number of accounts that are negative 12
 
Your FICO score of 533 summarizes the information on your Experian credit report as of April 21, 2007.

EX peaked at 735 and is still 720-

I don't expect any boost until lates hit 2 years in a few months-

Current-

Accounts [?] 27 
Accounts with balances [?] 9 
Accounts opened in past year [?] 14   
Collections [?] 0 
Public Records [?] 0

[bott6698]

I found myfico about 1 year ago BUT didn't do anything until this year. My scores were basically the same as my 1/31/2008 scores. So progress is in my sig and I have a LONG way to go

[Jesedmotherof5]

12/06- TU 560 EX 541 EQ 528

4/07- TR 612 Ex 585 EQ 573

11/07 -Tu 599 EX 592 EQ 554

3/08 -Tu 621 EX 626 EQ 569

4/08-TU 624 EX 626 EQ 614

Ive been monitoring them for years mostly wiating for thing from my 20s to fall off, I disputed but they alwyas came back verified. I would pif something like once a year, then I would forget till the next year.  This time I have been agressively strong since 4/2/08 and boy oh boy ive become FICO CRAZY. Im doing hubbys too, mostly DV then PFD after they come back validated. This time it will be at least once a month or every other. SUmmer is our strongest time for profits so I should be able to pay all the old stuff off as well as continue on my second year of perfect payment history with my CCs but now I have the UTI figured out.... 23% from 59% last month.

[Anonymous]

Last June, My scores were 696, 703, 701.

As of today, 784, 791, 734.

Although I have never had a late payment, or  hadANY delinquencies, my utilization was extremely high. I had large balances on each card. I paid off all my cards, as well as a student loan account. I still carry one small balance on WAMU that I'm working off. Utilization is killer. Even if you have a perfect payment hx, your score will tank if you're close to being maxed out.

[MidnightVoice]

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Ishmael109 wrote:

Utilization is killer. Even if you have a perfect payment hx, your score will tank if you're close to being maxed out.

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That was one of my biggest and earliest lessons.  I had one card, Piffed every month and thought that was OK - but it had such a low CL that it appeared maxed out (ish)

[l-bug]

Hubby’s

November 2007           EXP  ??     EQ  689    TU ??

April 2008                    EXP 756    EQ 736     TU 720

Mine

November 2007           EXP 732    EQ 666    TU 725

April 2008                    EXP 756    EQ 732    TU 759

I only started this journey last November.

The bulk of the changes came from lower credit utilization.

[scramblingin2007]

Timothy, that's where my score was last summer (july) 533. I am in awe that you are now in the 700 club! I am inching my way there...660 today on EQ. My past lates are holding me back. They are10 months old now. Mabey I'll get a point when they hit the 12 month mark LOL!