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

CreditMama91
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
FireMedic1
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!






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 from the @ 540's.
Message 2 of 13
ImTheDevil
Community Leader
Super 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 | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | 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)





Message 3 of 13
AllZero
Mega Contributor

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

Congratulations on your success!
Message 4 of 13
19eighty5
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 (Aug 2021):EX- 689, TU- 671, EQ- 671
What's in my wallet:



On the chopping block:

Message 5 of 13
Enitan
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
gdale6
Moderator

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

excellent progress, keep up the good work!
Message 7 of 13
LifeSAVERS
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
Acc-Risk
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
OmarGB9
Community Leader
Super Contributor

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

Grats!

Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 10 of 13
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