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Finally 700 Across board

Chestnut1
Contributor

Finally 700 Across board

Dropping by to Let you all know that my Fico 8 Scores are finally above 700. Across Board.

Mortgage Middle Score has hit 700 too. 701 to be precise. 

My work is not done here. I feel that it just started. Next goal 800. 

 

Thank you all for being supportive always. And good luck to all. Stay Safe & healthy.

 

 

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11/10/18 EX: 540 TU: 525 EQ: 535
10/20/19 EX: 671 TU: 665 EQ: 671
11/07/19 EX: 676 TU: 673 EQ: 676
12/31/19 EX: 669 TU: 679 EQ: 673
01/06/20 EX: 670 TU: 682 EQ: 682
Paid Charge off to $0 in Dec 2019, reported Jan 2020
01/15/20 EX: 666 TU: 655 EQ: 660
02/07/20 EX: 676 TU: 668 EQ: 668
05/08/20 EX: 685 TU: 685 EQ: 682
05/18/20 EX: 690 TU: 685 EQ: 682
03/16/21 EX: 702 TU: 697 EQ: 700
04/20/21 EX: 705 TU: 700 EQ: 702


Mortgage Middle Score 682 (Old)
Mortgage Middle Score 701 (New)
5 REPLIES 5
Sandman771
Valued Contributor

Re: Finally 700 Across board

Awesome job!!!!! Gives the rest of us hope and makes me sit my butt back in the corner of the garden. 

Starting Score: EQ 497 TU 496 EX 499
Current FICO8 Score: EQ 598 TU 606 EX 600
Goal Score: 700's Across the board


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In the Garden since 03/19/2021
Message 2 of 6
Chestnut1
Contributor

Re: Finally 700 Across board

Thank you. A long journey. Learned a lot along the way. More to go. Good Luck to you, on your journey !!

11/10/18 EX: 540 TU: 525 EQ: 535
10/20/19 EX: 671 TU: 665 EQ: 671
11/07/19 EX: 676 TU: 673 EQ: 676
12/31/19 EX: 669 TU: 679 EQ: 673
01/06/20 EX: 670 TU: 682 EQ: 682
Paid Charge off to $0 in Dec 2019, reported Jan 2020
01/15/20 EX: 666 TU: 655 EQ: 660
02/07/20 EX: 676 TU: 668 EQ: 668
05/08/20 EX: 685 TU: 685 EQ: 682
05/18/20 EX: 690 TU: 685 EQ: 682
03/16/21 EX: 702 TU: 697 EQ: 700
04/20/21 EX: 705 TU: 700 EQ: 702


Mortgage Middle Score 682 (Old)
Mortgage Middle Score 701 (New)
Message 3 of 6
House2021
Frequent Contributor

Re: Finally 700 Across board

Please share your route to 700, what did you do to get your score improved? What steps do you plan next to get to 800?

Message 4 of 6
Chestnut1
Contributor

Re: Finally 700 Across board

Its a long road. Took me almost 3 years. 

 

During these 3 years, 

 

1. Got an Auto Loan with high interest and paid my monthly payments always before time. 

2. I applied for some secured cards such as Creditone (duly closed credit one after 18 months of usage with stellar payment record), Capital One etc. 

3. Started using them and was NEVER LATE on above cards.

4. Some of the lates on my First Progress Card, i worked on goodwill letter and got them removed.

5. Some of my older deliquincies on BOA cards aged and dropped off my file as the time progressed.

6. After maintaining a year long history of No late payments and maintaining AZEO (all zero except one. Read about it. Very powerful startegy), my credit imporved to a point that i was qualified for Disco 10K Limit card. Used it carefully.

7. Always maintained less than 2% usage of my entire credit limit.

8. After some time, Luckily i was approved for AMEX Card with 5K limit. Used it so far with great care. Again, Always no more than 2% credit usage. 

9. Stopped Applying for new credit cards for almost 18 Months -2 years now. This gave my file time to drop all the hard Credit inquiries that've happened in the past 2 years. 

 

I can go on. but in short, Strict hands when it comes to using and paying bill on time month (for 3 years now). 

Good Mix of Credit (Auto Loan + Credit Cards), Paying off credit cards before due date by keeping a small 2% rolling over (on only One Card), Not applying for new credit cards anymore (becuase every New hard inquiry hurts the credit score), Let the old Deliquincies ( on BOA Credit cards) age and fall off, Worked on some goodwill letter (only for one First Progress Card) to get some lates dropped off. 

 

Next, One of my only Credit card that is in Deliquincy state (write off) will fall off my file come feb 2022. I will keep maintaining my Payment habits in tact. this will ensure my credit scores to soar to 800 by EOY/Early Next year

11/10/18 EX: 540 TU: 525 EQ: 535
10/20/19 EX: 671 TU: 665 EQ: 671
11/07/19 EX: 676 TU: 673 EQ: 676
12/31/19 EX: 669 TU: 679 EQ: 673
01/06/20 EX: 670 TU: 682 EQ: 682
Paid Charge off to $0 in Dec 2019, reported Jan 2020
01/15/20 EX: 666 TU: 655 EQ: 660
02/07/20 EX: 676 TU: 668 EQ: 668
05/08/20 EX: 685 TU: 685 EQ: 682
05/18/20 EX: 690 TU: 685 EQ: 682
03/16/21 EX: 702 TU: 697 EQ: 700
04/20/21 EX: 705 TU: 700 EQ: 702


Mortgage Middle Score 682 (Old)
Mortgage Middle Score 701 (New)
Message 5 of 6
gdale6
Moderator

Re: Finally 700 Across board

Grats on the 700 club!!!!
Message 6 of 6
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