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Broke into the 600s today!

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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
9 REPLIES 9
Regular Contributor

Re: Broke into the 600s today!

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

Message 2 of 10
Valued Member

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!

FICO® Score 8 based on Experian® data (3/2019): 793
FICO® Score 8 based on TransUnion® data (3/2019): 787
FICO® Bankcard Score 8 based on Equifax data (3/2019): 800
Total CL $95,200 - 8.11% UTL (3/2019)


Message 3 of 10
New Contributor

Re: Broke into the 600s today!

Congrats!  Keep going!

Message 4 of 10
Community Leader
Super 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. 

 

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
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!! 

Message 7 of 10
Valued 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
Regular Contributor

Re: Broke into the 600s today!

Congratulations! That's great news!

FICO8: Nov 20, 2018:
FICO8: March 22, 2019:
Goal for December 2019: FICO 640-700
  Walmart Store Card Discover IT Cash Back
Green Dot Secured Visa! Oooooh! Discover It Cash Back

Starting Score: 539
Current Score: 641
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal
Message 9 of 10
Regular 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! 




Jan of 2017 Credit Karma: 404
SEPT OF 2018: EX 652 EQ 626 TU 604
MARCH OF 2019: EX 667 EQ 636 TU 629 - Total Credit Limit: $3850
Goal Score: 675 for all FICOS
Goal Card: AMEX GOLD (Upgrade offer April of 2019)
Message 10 of 10