1 Year Results so far!

PicoFico · ‎05-21-2020

Capital One Secured $500 - now $800

Disco Secured $500 - Graduated $1500

NFCU Secured $500 - Graduated $2k, CLI to $6k

NFCU 60mo SSL paid down to rougly $230, $3/mo payments

NFCU More Rewards - SL $10k, CLI to $18k

NFCU Flagship - SL $15k, CLI to $23k

NFCU CLOC - $500, oh well

Penfed Checking/Savings

================================

Equifax - collection dispute successful

Transunion - collection dispute successful

Experian - collection dispute successful

Experian - dispute for EE, resulted in them dropping the 90 day of a 30/60/90/closed string that's due to fall off starting in Dec 2020 (odd but thankful)

last remaining negative due to fall off starting Dec 2020. Getting really close to 100% clean!

Fico8 6/20/19

Equifax: 578

Transunion: 596

Experian: 636

Fico8/9 5/21/20

Equifax: 786/817

Transunion: 721/762

Experian: 763/794

Thank you to everyone!! You're all amazing!

special thanks to @Anonymous, @AverageJoesCredit, @thornback, @FireMedic1 (x1000), @Remedios, and anyone else i didn't mention!!

Anonymous · ‎05-21-2020

Great job! Congratulations on the hard work and dedication.

Anonymous · ‎05-21-2020

That's AWESOME! What's next? Gardening for a bit?

thornback · ‎05-21-2020

Your progress is amazing!! Fantastic work and congratulations - so well derserved! Very happy for you 😊

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

AllZero · ‎05-21-2020

Congratulations on your success! Those scores look great!

PicoFico · ‎05-21-2020

@AllZero wrote:
Congratulations on your success! Those scores look great!

I knew I'd forget someone!! Sorry lol

PicoFico · ‎05-21-2020

@Anonymous wrote:
That's AWESOME! What's next? Gardening for a bit?

Yep it's in my signature, only 638 days to go 🥺

AllZero · ‎05-21-2020

@PicoFico wrote:
@AllZero wrote:
Congratulations on your success! Those scores look great!
I knew I'd forget someone!! Sorry lol

No need to be sorry. It's a great community and we try to help each other out.

hollowtipnwk · ‎05-21-2020

@PicoFico wrote:
Capital One Secured $500 - now $800
Disco Secured $500 - Graduated $1500
NFCU Secured $500 - Graduated $2k, CLI to $6k
NFCU 60mo SSL paid down to rougly $230, $3/mo payments
NFCU More Rewards - SL $10k, CLI to $18k
NFCU Flagship - SL $15k, CLI to $23k
NFCU CLOC - $500, oh well
Penfed Checking/Savings
================================
Equifax - collection dispute successful
Transunion - collection dispute successful
Experian - collection dispute successful
Experian - dispute for EE, resulted in them dropping the 90 day of a 30/60/90/closed string that's due to fall off starting in Dec 2020 (odd but thankful)

last remaining negative due to fall off starting Dec 2020. Getting really close to 100% clean!

Fico8 6/20/19
Equifax: 578
Transunion: 596
Experian: 636

Fico8/9 5/21/20
Equifax: 786/817
Transunion: 721/762
Experian: 763/794

Thank you to everyone!! You're all amazing!

special thanks to @Anonymous, @AverageJoesCredit, @thornback, @FireMedic1 (x1000), @Remedios, and anyone else i didn't mention!!

Congrats! That's very inspiring.

Starting Score:473 1/25/2020
TU 582 EQ 540 EX 585 as of 5/4/2020
Current Score:TU 627 EQ 612 EX 595 as of 6/12/2020
Goal Score: 790

Take the myFICO Fitness Challenge

Cap1 QS $750 | NFCU Cash Rewards $4500 | Citi (sec) $200 | Discover It (sec) $300 | BOA (sec) $300 | MJC $5000 | NCD $5000

Gardening goal is >= 6 months (starting June 2020)

Anonymous · ‎05-21-2020

Awesome progress, way to go!