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December 2020 Fico 8 was 533..

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Eldodroptop1
Established 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
Mega 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
Community Leader
Mega Contributor

Re: December 2020 Fico 8 was 533..

Congrats! Now thats how you do it!


Message 3 of 8
Aspireto850
Established Contributor

Re: December 2020 Fico 8 was 533..

That is amazing. Great job! 👏🏼👏🏼👏🏼👏🏼









Message 4 of 8
1prettyorchid
Contributor

Re: December 2020 Fico 8 was 533..

This was truly inspiring! Way to go...

4/29/21 After BK
EX 578 EQ 573 TU 477

8/15/21 EX 640 EQ 637 TU 614

Capital One QS1 $4000

Navy Federal secured $300

Discover $1800
Message 5 of 8
Red1Blue
Super Contributor

Re: December 2020 Fico 8 was 533..

Congrats

Message 6 of 8
kilroy8
Community Leader
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
Established Contributor

Re: December 2020 Fico 8 was 533..

That's amazing congratulations!

BK 7 Discharged May 2014. Removal Feb 2024! Let the countdown begin!!
Last App: Apr 2023
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Message 8 of 8
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