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2012 Results and 2013 Goals

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Shogun
Moderator Emeritus
‎12-13-2012 11:21 AM
‎12-13-2012 11:21 AM

Re: 2012 Results and 2013 Goals

Congrats jutz!  You've done a lot of work!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 11 of 20
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Jutz
Valued Contributor
‎12-13-2012 03:41 PM
‎12-13-2012 03:41 PM

Re: 2012 Results and 2013 Goals

Transunion finally dropped that last CA.  Can't believe I spent 16 bucks on an outdated report a week ago.  Convince me it's not worth the money yet!!

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 12 of 20
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Shogun
Moderator Emeritus
‎12-13-2012 07:27 PM
‎12-13-2012 07:27 PM

Re: 2012 Results and 2013 Goals

Trust your feelings.  Wait till after the new year and get a new report.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 13 of 20
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Jutz
Valued Contributor
‎12-13-2012 09:07 PM
‎12-13-2012 09:07 PM

Re: 2012 Results and 2013 Goals

I'm not applying for anything between now and then, and I have a 30 day late aging to a year then, so that would be the smart thing to do.  We'll see how long it lasts.  This is more difficult than gardening for me.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 14 of 20
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Jutz
Valued Contributor
‎12-14-2012 10:33 AM
‎12-14-2012 10:33 AM

Re: 2012 Results and 2013 Goals

Someone bought me an early xmas present and paid for the refresh of my TU Smiley Happy

 

TU98 up to 676!

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 15 of 20
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Jutz
Valued Contributor
‎12-16-2012 07:12 PM
‎12-16-2012 07:12 PM

Re: 2012 Results and 2013 Goals

Sigh...

 

Just had to edit a bit of the progress.  In my excitement I didn't fully check into one of the derogs I thought was gone.  My 60 and 90 day lates were from 24+ months ago, in fact the 60 hit 3 years this month, and the 90 will next month.  Because of this, the payment history on MyFICO, as well as EIDT didn't go back far enough and I didn't notice them.  Sucks, but whatever.  I'm still happy with the late year progress I've made.  Now though I have no idea how I'm going to get rid of those, besides waiting another 4 years.

 

Still happy to see 676 on TU.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 16 of 20
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electra
Established Contributor
‎12-16-2012 07:35 PM
‎12-16-2012 07:35 PM

Re: 2012 Results and 2013 Goals

Great work Jutz!!  You are on your way!  It's so important to set specific goals and then measure yourself and adjust as needed.  You are doing fabulous!

Message 17 of 20
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Jutz
Valued Contributor
‎12-17-2012 09:15 AM
‎12-17-2012 09:15 AM

Re: 2012 Results and 2013 Goals

Submitted my BBB complaint for Verizon, we'll see how far that goes.  Should be hearing initial contact in the next day or two.

 

Also got a call back regarding my Executive Office Cap1 CLI request.  I've officially requested 2k, I don't think this is unreasonable for an amount, however I could understand if I was rejected based on a 30 day late with another company in the last 12 months.  She'll be getting back to me in about 72 hours.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 18 of 20
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Jutz
Valued Contributor
‎12-17-2012 12:04 PM
‎12-17-2012 12:04 PM

Re: 2012 Results and 2013 Goals

Nailed it!

 

Capital One just upped my CL to $2,000.  The highest CL I've ever had, lol.  They are also adding 1% cash back, plus 50% annual reward (Not sure how that works, can anyone answer?)

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 19 of 20
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Shogun
Moderator Emeritus
‎12-17-2012 01:17 PM
‎12-17-2012 01:17 PM

Re: 2012 Results and 2013 Goals

Happy Dance!!!!!!

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 20 of 20
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