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FINALLY!!! I have set foot into 700 but barely

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Contributor

FINALLY!!! I have set foot into 700 but barely

My scores were around 480 in December 2018 with late payments, collections, high balances due to not having a job for the whole year and me being irresponsible with credit in my previous years. 

 

January 2019 was when my life has changed drastically. I got married and at the same time got a decent job and DH insisted on me that its time to bring my credit to bliss. He helped me pay down collections with PFD initially and then i was able to pay down all the CC balances to 0 with my Job income within few months. Scores bumped up to 630s with collections deleted (small $50 medical collection still left on equifax to which carter young wont budge to delete, but paid off) and CC Util down to 4%, and then they plateud due to 90 day and 60 day lates i have on my report. 

 

I tried every possible way to goodwill those late payments (90 day with cap one and 60 day with credit one) it was always a no. In September i asked DH to write the letters for me since he has much better vocabulary, grammer, writes/speaks better english than me(we are immigrants) and is better at explaining things. So I sent the letters he wrote for me to the Cap one and Credit one addresses i was sending previously and wanted to try one last time and le behold both request were honored and reports updated yesterday

 

This forum has been my daily driver since i found it and without you guys this would not have been possible.

I really appreciate the inputs, DPs and guidance this forum and its members have given me and i will do my best to give back whatever and whenever i can.

 

Have lots on new accounts i picked up on my way here and so will be gardening for the next 6 to 8 months atleast.

 

Screen Shot 2019-11-08 at 3.29.22 PM.pngScreenshot_20191108-153231.png

Scores before rebuild 01/20/2019 - EX@544 EQ@533 TU@532
Current Scores 3/25/2020 - EX@695(21) EQ@676(14) TU@733(18)
Amazon Store card - $3000; IKEA Projekt - $9600
Amex Gold - NPSL; Amex Delta Gold - $1000; Amex Hilton Honors - $1000; Barclays Apple Visa - $700; BMO CB Mastercard - $3800; BMO PR Mastercard - $3800; Capital One QS1 - $2600; Capital One QS1 - $750; Chase Marriott Bonvoy - $5000; Paypal CBMC - $5000; DuPage Inspire VS - $5000; BCU CashBack CC - $9000

Util - 8%
Message 1 of 13
12 REPLIES 12
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Super Contributor

Re: FINALLY!!! I have set foot into 700 but barely

Congrats Mama! Keep at it and then it will be 710's then 720's and on it goes!

Message 2 of 13
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Community Leader
Senior Contributor

Re: FINALLY!!! I have set foot into 700 but barely

Fantastic results - congrats! I believe this makes you MF member #55,664,733 to have his/her financial future turned around for the better thanks to this forum Smiley Happy



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $86,900 | Agg. Util under 5%
Message 3 of 13
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Super Contributor

Re: FINALLY!!! I have set foot into 700 but barely

Congratulations on your success!
Message 4 of 13
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Senior Contributor

Re: FINALLY!!! I have set foot into 700 but barely

Congratulations on your success and new scores @CreditMama91  ! Would you be willing to share an example of the letter DH wrote? I've sent Cap 1 numerous letters and have been turned down each time Smiley Sad

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 5 of 13
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New Contributor

Re: FINALLY!!! I have set foot into 700 but barely

Awwweeeee yeaaaaa congrats!!!!!
Started rebuild 6/2016
EQ: 488 TU: 504 EX: 497
Current as of 09/18/20 fico8)
EQ: 640 TU: 649 EX: 640
Goal
750 across
Current State: I canna stay in the garden captain there’s just nat enough powa for it yet
Message 6 of 13
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Moderator

Re: FINALLY!!! I have set foot into 700 but barely

excellent progress, keep up the good work!
Message 7 of 13
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Regular Contributor

Re: FINALLY!!! I have set foot into 700 but barely

AWESOME JOB! A great way to finish out the year and belated congrats on the marriage...Win-Win! Smiley Happy

Message 8 of 13
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New Contributor

Re: FINALLY!!! I have set foot into 700 but barely

Congrats! It's a good feeling! Just know, once your derogatories are off, it's a slow climb. There's no more "fast score jump" hurdles and it's just aging, limits and util to keep low that inches things forward. 

Message 9 of 13
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Community Leader
Super Contributor

Re: FINALLY!!! I have set foot into 700 but barely

Grats!

Last App: 8/24/2020
NFCU Secured Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


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