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700 plus score journey

racole82
Established Member

700 plus score journey

So after going through a divorce during the end of last year I missed payments and my credit went downhill. In April my lowest FICO 8 score was 596, now I'm sitting at 690. I really wish I was in the mid 700's but this seems to be a game of 'hurry up and wait'. What seems to be hurting my score is the past serious delinquency (7 accounts) (60 days past due or greater). I've wrote letters to no avail to get the payments removed. I have not had any late payments on anything in 9 months. How long did it take before you seen progression into the 700's?

 

 

year.jpg

Started EXP: 535 Feb 21 Current EXP: 675 - EQ: 697 - TU: 681
Quicksilver C1: $1,950 CL
Quicksilver One C1: $1,250 CL
Savor One C1: $1,000 CL
Walmart Rewards C1: $750 CL
Secured N Rewards NF: $1,000 CL
Checking Line of Credit NF: $1,000 CL
Discover It: $4,000 CL
Cash Rewards NFCU: $6,100 CL
Shane Co. TD Bank : $2,500
Total CL: $19,554‬
Message 1 of 10
9 REPLIES 9
Ilinferno
Frequent Contributor

Re: 700 plus score journey

Congrats on all your progress! I'm earlier in my journey than you are so I'll let others answer on the 700s question but I just wanted to say good job!

Message 2 of 10
quikj9
Frequent Contributor

Re: 700 plus score journey

Congrats @racole82 on your progress! I'm also unsure of exactly when you (or I) might break into the 700s. You're knocking on the door. Hopefully, you won't have to wait too long. 




Message 3 of 10
Milestone
Valued Member

Re: 700 plus score journey

Congrats on your progress! I hope you break 700 soon. I am in the infancy of my rebuild and your story inspires me. Keep us posted!




Message 4 of 10
FireMedic1
Super Contributor

Re: 700 plus score journey

When was the sore spot when the 60 days occurred? Of course age will lesson over time. Great job so far since. Uphill looks great on the scale.






Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 5 of 10
racole82
Established Member

Re: 700 plus score journey

@FireMedic1 can you be a little more specific about the 60 days?

Started EXP: 535 Feb 21 Current EXP: 675 - EQ: 697 - TU: 681
Quicksilver C1: $1,950 CL
Quicksilver One C1: $1,250 CL
Savor One C1: $1,000 CL
Walmart Rewards C1: $750 CL
Secured N Rewards NF: $1,000 CL
Checking Line of Credit NF: $1,000 CL
Discover It: $4,000 CL
Cash Rewards NFCU: $6,100 CL
Shane Co. TD Bank : $2,500
Total CL: $19,554‬
Message 6 of 10
FireMedic1
Super Contributor

Re: 700 plus score journey


@racole82 wrote:

So after going through a divorce during the end of last year I missed payments and my credit went downhill. In April my lowest FICO 8 score was 596, now I'm sitting at 690. I really wish I was in the mid 700's but this seems to be a game of 'hurry up and wait'. What seems to be hurting my score is the past serious delinquency (7 accounts) (60 days past due or greater). I've wrote letters to no avail to get the payments removed. I have not had any late payments on anything in 9 months. How long did it take before you seen progression into the 700's?

 

 

year.jpg


@racole82I was asking about when were the 60 day lates on the 7 accounts. Older the better. Less of a ding.






Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 7 of 10
racole82
Established Member

Re: 700 plus score journey

@FireMedic1 my appoligies, the last late payment I had was in Feb 2021.

Started EXP: 535 Feb 21 Current EXP: 675 - EQ: 697 - TU: 681
Quicksilver C1: $1,950 CL
Quicksilver One C1: $1,250 CL
Savor One C1: $1,000 CL
Walmart Rewards C1: $750 CL
Secured N Rewards NF: $1,000 CL
Checking Line of Credit NF: $1,000 CL
Discover It: $4,000 CL
Cash Rewards NFCU: $6,100 CL
Shane Co. TD Bank : $2,500
Total CL: $19,554‬
Message 8 of 10
FireMedic1
Super Contributor

Re: 700 plus score journey

Rats. I was asking to see how old the lates were. Still kinda fresh.  After 2 yrs the hits will drop. If by chance theres any 90 day lates or more since you posted (60 days past due or greater). May take a bit longer. But great job getting to where your at. It will pass by fast. Happy Thanksgiving.






Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 9 of 10
racole82
Established Member

Re: 700 plus score journey

@FireMedic1 Thanks a lot, you answered my question. Every time I look at my score I see where it says the history is a factor that’s holding me down. I knew they would probably stay on my report for seven years but didn’t know how long they may affect it. Happy Thanksgiving. 

Started EXP: 535 Feb 21 Current EXP: 675 - EQ: 697 - TU: 681
Quicksilver C1: $1,950 CL
Quicksilver One C1: $1,250 CL
Savor One C1: $1,000 CL
Walmart Rewards C1: $750 CL
Secured N Rewards NF: $1,000 CL
Checking Line of Credit NF: $1,000 CL
Discover It: $4,000 CL
Cash Rewards NFCU: $6,100 CL
Shane Co. TD Bank : $2,500
Total CL: $19,554‬
Message 10 of 10
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