Officially in the 800s!!! Barely scraping by and only one CRA but this is unbelievable.
As for data points:
Experian has a 30 day late from June 2016 and a 30 day late from Sep. 2014.
Equifax has a 30 day late from Sep. 2014.
Transunion is a clean report. Transunion gained +28pts to 794 when the June 2016 late payment was removed. Everything else the same.
Coming from this, about 18 months ago:
Fantastic! Congratulations on your achievements. Welcome to the 800 club!
@Anonymous wrote:Help needed. Rebuilding my credit from a few derogs. Have a First Progress secured card opened since last june. Recently opened an Open Sky in May with $400 limit. Desperately trying to get my scores up to 620 or higher to qualify for a conventional loan. Will opening another secured card now help my score or no? I have one last Capital one account thats in process of updating to paid in full. original limit was $750 but with poor choices ended up being $2035. Nonetheless, I settled it for $1250. Utilization on it was super high but shoud decrease when experian finally updates it. Will that pay off also help give me a boost? Current mortgage scores EQ- 554, Trans 588, EX 568
ANy advice helps!
@Anonymous. You may want to post a new topic to get more eyes and replies to your questions.
A quick update: 30-day late from Sept. 2014 dropped and bumped my EX 24pts to 800 and my EQ 29 pts to 799! My student loans for some reason are not reporting to Equifax so wondering if thats why the score is below 800 or if its related to the Utilization.
@Anonymous wrote:A quick update: 30-day late from Sept. 2014 dropped and bumped my EX 24pts to 800 and my EQ 29 pts to 799! My student loans for some reason are not reporting to Equifax so wondering if thats why the score is below 800 or if its related to the Utilization.
Congratulations on your 800's
EQ is always my lowest FICO8 score ¯\_(ツ)_/¯
Your story is incredibly inspiring!! Congrats on all your success and 800 club.
@Anonymous wrote:A quick update: 30-day late from Sept. 2014 dropped and bumped my EX 24pts to 800 and my EQ 29 pts to 799! My student loans for some reason are not reporting to Equifax so wondering if thats why the score is below 800 or if its related to the Utilization.
@Anonymous Congrats on the winning you're experiencing!!! Did you dispute any of the lates or just let them all fall off? I have 3 lates on Discover from August-October 2018 and 6 on Navient (will be paid off in November) from 2014. Ideally I'd like them to be removed as soon as possible, but considering the absolute best way to do this.