cancel
Showing results for 
Search instead for 
Did you mean: 

2nd year Anniversay - 25 Pt. gain (nice gift MyFICO)

tag
Duncanrr
Valued Contributor

2nd year Anniversay - 25 Pt. gain (nice gift MyFICO)

Happy two year anniversary for me in my credit repair journey.  I woke up this morning to score alert!  UP 25 POINTS!!!

 

This was due to a number of factors - inquiries feel off, my oldest rebuilding accounts made 2 years old and another month past last baddie and other factors.  Im so close to 700 club accross the board.  This is my highest EQ score ever!

 

2 years worth of repair.jpg



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 8
7 REPLIES 7
growing123
Regular Contributor

Re: 2nd year Anniversay - 25 Pt. gain (nice gift MyFICO)

That's great! Congrats on all your success. I can't wait to see where I'm at in two years!
Starting Scores - Mid 500s - 10/2013

EX 706 (FICO 9/15) | EQ 710 (FICO 9/15) | TU 716 (FICO 9/15)

Quicksilver $12.8K | Freedom $1.5k | Discover It $11.5k | VS $1.2k | AMEX BCE $10k | Fidelity AMEX $10k | US Cash+ $9k | Citi DC $6.6k
Message 2 of 8
EW800
Valued Contributor

Re: 2nd year Anniversay - 25 Pt. gain (nice gift MyFICO)

Outstanding!  Congratulations!!

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 840; EQ8: 832; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 3 of 8
Shogun
Moderator Emeritus

Re: 2nd year Anniversay - 25 Pt. gain (nice gift MyFICO)

Awesome!  How you been buddy?

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 4 of 8
GooseGirl
Contributor

Re: 2nd year Anniversay - 25 Pt. gain (nice gift MyFICO)

Congratulations! Thank you very much for sharing your good news. It's great to see the hard work paying off.




Starting Score: EQ 541 (lender pull July 2012)
Current Score: EQ FICO 673, TU08 648, EX FICO 654
Next Goal Score: 680
Message 5 of 8
Duncanrr
Valued Contributor

Re: 2nd year Anniversay - 25 Pt. gain (nice gift MyFICO)

Good. I had a rough past 9 months but with new job (started in Oct) and principles ive learned over last couple years, I was able to manage it. Now I'm back on right track and getting near my credit goals. I paid off my Cap1 Auto and have only a couple bad accounts left. My worst late (90 days) fall off report in Nov. this will make this account in perfect standing. 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 8
Shogun
Moderator Emeritus

Re: 2nd year Anniversay - 25 Pt. gain (nice gift MyFICO)

Glad to hear you are doing better and good to see you back on the boards.

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 7 of 8
Whitneyy
Valued Contributor

Re: 2nd year Anniversay - 25 Pt. gain (nice gift MyFICO)

Congrats! Nice jump!

GOAL - 700 FICO across the board!
Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.