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EXPERIAN UP 81 PTS!

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EXPERIAN UP 81 PTS!

Praise the Lord! 
I was about to give up!  I decided to open Crown Jeweler Account.  Was approved for $1500 but when reported to EX today (8/4), $2500 was reported.  Also, have 2 charge offs with Capital One that I decided to set up payment plan because they was killing my utilization by over 139%.  So, I stopped the high interest and making monthly payments in 6 payments.  Made 1st payment 2 weeks ago and it was reported as lower balances on EX and I got the biggest surprise today.  I checked True Credit and they only gave me 3 points increase.  So I decided to pull FICO, not expecting 81 pts increase.  I thought I had gained access to someone's else report... I really did.  Experian was always my lowest because more TLs are reported to them.
 
In April and May, I stopped pulling reports on MYFICO because I was not seeing movement.  I decided to wait until I know I had changed the utilization.  And EX was my lowest score.  See my SIG!  Can not wait until the others update at least with the Capital One updates!!  Also, Experian showing no collections.  I had about 6 collections before.  I need to triple check!
 
I'm pumped now!!!  I have been on a partial fast for almost 4 weeks, now and this has been worth it. 
2/12/11 FICO EQ 663
12/09 FICO EQ 646 EX: TU:657 EX 647 (Mortgage broker pulled)
03/08 FICO EX:523 TU:558 EQ:561
Homeowner 2/3/10
Message 1 of 13
12 REPLIES 12
Frequent Contributor

Re: EXPERIAN UP 81 PTS!

WOW ~ way to go!!  Congratulations ~ that's quite a jump!!  I know that's GOT to feel good!  Keep us updated on further progress!  Smiley Very Happy
I'm here because I decided to stop hiding from my FICOS, CAs and OCs ~ and man, do I feel freer!

"We can forgive a child who is afraid of the dark; the real tragedy of life is when men are afraid of the light." ~Plato
Message 2 of 13
Established Contributor

Re: EXPERIAN UP 81 PTS!

Wow that is great!  Congrats!!!
Message 3 of 13
Regular Contributor

Re: EXPERIAN UP 81 PTS!

amazing! Keep up the good work!
6/11/08 Trans 566 Exp 549 Equ 523
8/2/08Trans 574 Exp 584 Equ 578
Message 4 of 13
Valued Member

Re: EXPERIAN UP 81 PTS!

WOW!! Congrats on the increase. Your hardwork is paying off!!!
Message 5 of 13
Frequent Contributor

Re: EXPERIAN UP 81 PTS!



CruiseLady2008 wrote:
Praise the Lord! 
I was about to give up!  I decided to open Crown Jeweler Account.  Was approved for $1500 but when reported to EX today (8/4), $2500 was reported.  Also, have 2 charge offs with Capital One that I decided to set up payment plan because they was killing my utilization by over 139%.  So, I stopped the high interest and making monthly payments in 6 payments.  Made 1st payment 2 weeks ago and it was reported as lower balances on EX and I got the biggest surprise today.  I checked True Credit and they only gave me 3 points increase.  So I decided to pull FICO, not expecting 81 pts increase.  I thought I had gained access to someone's else report... I really did.  Experian was always my lowest because more TLs are reported to them.
 
In April and May, I stopped pulling reports on MYFICO because I was not seeing movement.  I decided to wait until I know I had changed the utilization.  And EX was my lowest score.  See my SIG!  Can not wait until the others update at least with the Capital One updates!!  Also, Experian showing no collections.  I had about 6 collections before.  I need to triple check!
 
I'm pumped now!!!  I have been on a partial fast for almost 4 weeks, now and this has been worth it. 


You better work it girl!!!!!!!!!!!!!!!Smiley Very Happy
4/15/2008 EQ 539 TU 489 EX 575, 7/25/2008 EQ 669 TU 555 EX 611, 7/31/2008 EQ 669 TU 555 EX 624, 8/5/2008 EQ 669 TU 586 EX 624
Message 6 of 13
Established Member

Re: EXPERIAN UP 81 PTS!

That is wonderful. Hard work really does pay off. You are an inspiration...
Sometimes a part of us must die before another part can come to life...old scores. We may feel a strange mixture of exhilaration and sadness as we say good-bye to a part of ourselves that is dying and make way for a whole new identity to emerge in its place....new scores. A1 credit here I come...
Message 7 of 13
Regular Contributor

Re: EXPERIAN UP 81 PTS!

Congratz cruise lady. It really takes determination and commitment to fix these things. I was also giving up. It took a lot of time and effort to get things to where they are, and I still have more to go. I became excited again when I saw my EX with up to 598. When I started in June, it was 498 I think. So lets celebrate!!!!!!!
6/20/08 TU=553 EQ=577 EX=458
07/16/08 TU=599 EQ=621 EX= 556
8/05/08 TU=632 EQ=652 EX=598, 9/30/08 TU=632 EQ=655 EX=616
Message 8 of 13
Regular Contributor

Re: EXPERIAN UP 81 PTS!

Big Congrats!  When did you ap, make the purchase and finally see your account reporting?  I am struggling with patience and wondering how long before mine will report.
Message 9 of 13
Contributor

Re: EXPERIAN UP 81 PTS!

I applied after July 1.  Ordered July 19 (1 watch).  Received watch a week later.  Experian reported 8/5.  Not showing on TU yet.
 
I started making payments on the 20th of month to Cap One.  They reported on 8/5 to EX.  Have not reported to TU or EQ or at least those 2 have not updated.
 
Hang it there!  Hope it is a nice one.
2/12/11 FICO EQ 663
12/09 FICO EQ 646 EX: TU:657 EX 647 (Mortgage broker pulled)
03/08 FICO EX:523 TU:558 EQ:561
Homeowner 2/3/10
Message 10 of 13
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