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HELP- NEED 4 Points on TRANS FICO4

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Anonymous
Not applicable

Re: HELP- NEED 4 Points on TRANS FICO4

Perfect, thank you again @AllZero - will do that this evening once i give it a little time to show up today. 

I still had my free credit report for the week so i just used that to see if it was reported yet, and TU and EQ neither have it reported yet. 

 

I guess i am just playing the waiting game for a few more days at this point.

 

 

Message 31 of 51
Anonymous
Not applicable

Re: HELP- NEED 4 Points on TRANS FICO4

UPDATE: Equifax updated and gave me  25 point bump. Put me at 605 which is just above what i needed. Now i am playing the waiting game a few more days for Transunion to come through with their update.

 

Not to push my luck, but a 24 point bump for trans would get me to a 620 middle score and save me a ton in interest.

 

 

Message 32 of 51
AllZero
Mega Contributor

Re: HELP- NEED 4 Points on TRANS FICO4


@Anonymous wrote:

UPDATE: Equifax updated and gave me  25 point bump. Put me at 605 which is just above what i needed. Now i am playing the waiting game a few more days for Transunion to come through with their update.

 

Not to push my luck, but a 24 point bump for trans would get me to a 620 middle score and save me a ton in interest.


That's a nice score increase on EQ. Good luck on TU. Hope you get those points.

Message 33 of 51
Anonymous
Not applicable

Re: HELP- NEED 4 Points on TRANS FICO4

**UPDATE**

 

Transunion just posted- pushed me to 631 from 598- which is MORE than enough to qualify for the loan we wanted at the rate we wanted!.

 

Total score boost is as follows for the mortgage scores

 

Equifax + 25 points

 

Experian +32 points

 

Trans + 35 points-

 

Putting my middle score at 631!

 

Thank you everyone for all of the advice and encouragment !

 

@AllZero @Anonymous @Credit4Growth @Seamslong @tooleman694 - thank you all for everything!

 

This little community is the best!

 

I will be sure to update again once rates are finally locked in!

 

 

Message 34 of 51
Anonymous
Not applicable

Re: HELP- NEED 4 Points on TRANS FICO4

Congratulations....Good luck on TU! 

You on the ladder now, just keep on climbing.

Message 35 of 51
Anonymous
Not applicable

Re: HELP- NEED 4 Points on TRANS FICO4

Got that TU!

 

Give yourself a hug

Message 36 of 51
Anonymous
Not applicable

Re: HELP- NEED 4 Points on TRANS FICO4

Thank you- TU came through and I am in the 620-640 tier now!

 

The plan is to secure this mortgage, then refinance mine and my old ladys vehicles within the next year or so. 

 

The score increases from here are going to be a little harder to come by, but it is such an awesome feeling knowing you are getting out from under this giant cloud that has been looming over your head for so long .

 

Message 37 of 51
Seamslong
Valued Member

Re: HELP- NEED 4 Points on TRANS FICO4

Congratulations so happy for you! 





Remaining Card limit goals:
Capitol One 3,600/2,500/2,300 goal 10k each line or close after buy a home|Discover $9.5k goal 15k | Citibank $6.5k goal 10k | Southwest $8,200 goal 20k |PayPal goal $6.0k goal 10k|Wayfair $2.1k goal $5.0k

Possibly cancelling:
Amex Blue 2k | No credit line increase since inception 2017
Closed accounts
Legacy CC/Capitol One secured 08/2021
Amex 11/2022

Entered the garden on 9/01/2021
Message 38 of 51
Credit4Growth
Senior Contributor

Re: HELP- NEED 4 Points on TRANS FICO4

This thread was thrilling to read mainly due to your persistence and action!

I am very please that you have achieved and gone beyond your goal by quite a few points!

CONGRATULATIONS!

20200916_081524.gif

Message 39 of 51
AllZero
Mega Contributor

Re: HELP- NEED 4 Points on TRANS FICO4


@Anonymous wrote:

**UPDATE**

 

Transunion just posted- pushed me to 631 from 598- which is MORE than enough to qualify for the loan we wanted at the rate we wanted!.

 

Total score boost is as follows for the mortgage scores

 

Equifax + 25 points

 

Experian +32 points

 

Trans + 35 points-

 

Putting my middle score at 631!

 

Thank you everyone for all of the advice and encouragment !

 

@AllZero @Anonymous @Credit4Growth @Seamslong @tooleman694 - thank you all for everything!

 

This little community is the best!

 

I will be sure to update again once rates are finally locked in!


Congratulations on your score increases! I'm excited for you. End of May can't come soon enough.

Message 40 of 51
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