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Broke into the 600s today!

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Regular Contributor

Broke into the 600s today!

My Experian FICO 8 is 610 as of today!! It’s hard to believe that a year ago my score was in the low 400s. I WILL be buying a home this year.

For those of you just starting your rebuild, hard work does pay off! And for those of you who have guided me along the way, I am so grateful. You all have been the most informative and helpful bunch.

I still have a ways to go, but I finally feel like I’m getting somewhere.
March 2018 - EX: 419 EQ: 456 TU: 423
February 2019 - EX: 537 EQ: 547 TU: 509
March 2019 - EX: 625 EQ: 555 TU: 579
April 2019 - EX: 640 EQ: 637 TU: 642
9 REPLIES 9
Frequent Contributor

Re: Broke into the 600s today!

Great job..When you get their it will be well worth it.

Message 2 of 10
Frequent Contributor

Re: Broke into the 600s today!

Congratulations!  It's amazing what  people can do when they set their mind to it.  You'll love home ownership!




Message 3 of 10
New Contributor

Re: Broke into the 600s today!

Congrats!  Keep going!

FICO8 Scores:
EX: 686 – 4/1/2019
TU: 708 – 4/1/2019
EQ: 712 – 4/1/2019



FICO9 Scores:
EX: 682 – 4/1/2019
TU: 710 – 4/1/2019
EQ: 729 – 4/1/2019


Message 4 of 10
Community Leader
Mega Contributor

Re: Broke into the 600s today!


@cali_alli wrote:
My Experian FICO 8 is 610 as of today!! It’s hard to believe that a year ago my score was in the low 400s. I WILL be buying a home this year.

For those of you just starting your rebuild, hard work does pay off! And for those of you who have guided me along the way, I am so grateful. You all have been the most informative and helpful bunch.

I still have a ways to go, but I finally feel like I’m getting somewhere.

 

 

Congrats on your current rebuild and keep up the good work. 

Continue working on your derogs as your middle score will be used for lending purposes (currently that's your TU 579). 

You want your scores as high as they can be before starting mortgage process. 

 

EX 759 EQ 774 TU 753


Message 5 of 10
Moderator

Re: Broke into the 600s today!

Great work so far, keep it up Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 6 of 10
Frequent Contributor

Re: Broke into the 600s today!

Congratulations on the milestone!! I can empathize with you and those feelings!! Keep working and it WILL pay off even bigger and better!! 

Starting scores - 480 - 11/05/18
Current Scores -





Message 7 of 10
Senior Contributor

Re: Broke into the 600s today!

Great work!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 8 of 10
Frequent Contributor

Re: Broke into the 600s today!

Congratulations! That's great news!

FICO8: Nov 20, 2018:
FICO8: Sept 25, 2019:
Goal for December 2019: FICO 640-700
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $1000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $2,250, Walmart $500, Discover IT Cash Back $2000, Navy Fed cashRewards $1000, Shell (Citi) Fuel Rewards, $800, Navy More Rewards, $17,000, (Green Dot Platinum Secured, $200, to be cancelled.)

Starting Score: 539
Current Score: 659
Goal Score: 760


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Message 9 of 10
Frequent Contributor

Re: Broke into the 600s today!

Smiley Happy Congrats!!!!!!!!!

 

Your story is similar to mine, but you've got a year head start on me haha. I can remember seeing that FICO score cross over 600.....I thought I had won the lottery haha, that is a big achievement, you're killing it! 

 

Keep up the great work, from a fellow rebuilder! 


AMEX Gold / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1000 / Blaze MC $1500 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $16150 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
Message 10 of 10
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