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December 2020 Fico 8 was 533..

Eldodroptop1
New Member

December 2020 Fico 8 was 533..

Went through a divorce and found out that my X trashed my credit. In December when I took back over my financial life, I was ruined. 533 Fico 8, all accounts were late, over limit, mostly charge offs. Debt was north of $60k. Immediately put in a plan of action, sold my house, and used the equity to pay off my attorney and payment to settle all charge off accounts. Negotiations took place with CapOne to save my seriously delinquent, open credit account. That proved successful, thank you CapOne! Opened a Discover $500 secured card in May. Paid off two car notes at the same time. The last $5,000 charged off account that I settled just updated on my reports today. December 2020 Fico 8 was 533, today it hit 680.... I am so **bleep** excited!

 

On a whim I just checked to see if I could get approved for an AMEX Delta card... YES! Approved for $6,000. 

Thank you all for this amazing message board!

Message 1 of 8
7 REPLIES 7
simplynoir
Community Leader
Super Contributor

Re: December 2020 Fico 8 was 533..

Welcome to the forums, @Eldodroptop1, and congratulations on your credit journey so far!

Message 2 of 8
FireMedic1
Super Contributor

Re: December 2020 Fico 8 was 533..

Congrats! Now thats how you do it!






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 @ 540's.
Message 3 of 8
Aspireto850
Established Contributor

Re: December 2020 Fico 8 was 533..

That is amazing. Great job! 👏🏼👏🏼👏🏼👏🏼









Message 4 of 8
1prettyorchid
New Contributor

Re: December 2020 Fico 8 was 533..

This was truly inspiring! Way to go...

4/29/21 During bankruptcy
Ex. 581 Eq. 596 TU. 584
9/9/21 1 month after discharge Ex. 640 Eq. 614 TU. 604
Message 5 of 8
Rebuild2022
Super Contributor

Re: December 2020 Fico 8 was 533..

Congrats

Gardening since 08/2020
Message 6 of 8
kilroy8
Super Contributor

Re: December 2020 Fico 8 was 533..

Very nice!

 

Good to see folks with quick results, credit usually a long game.

Message 7 of 8
collics
Frequent Contributor

Re: December 2020 Fico 8 was 533..

That's amazing congratulations!

BK 7 Discharged May 2014

FICO8s Dec 2019

FICO8s Aug 2 2021
Message 8 of 8
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