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Finally Joined the 800 Club!!

HybridGunz
Regular Contributor

Finally Joined the 800 Club!!

I started off financially illiterate in college back in 2002. Didn't know how to properly use credit. I bought a house in 2005 when I wasn't ready. Foreclosed in 2010. Got sued by SunTrust for part of that mortgage around $30,000. Filed for Bankrucptcy in 2013 (Best thing I ever did!). During that 5 year repayment plan on the Ch13 I became a member of this community. I read and learned so much here. When the BK was finalized in 2018 I hit the ground running. I worked so hard on rebuilding my credit and using credit cards wisely. In 2020 I was able to buy my dream home. This month I hit another great milestone in my credit rebuild journey...I am now a proud member of the 800 Club across all three credit bureaus!!!!  

 

Equifax - 804

TransUnion - 803

Experian - 800

 

I just want to send out a sincere Thank You to everyone who shares their knowlege with this community. It has change my life! 




Starting FICO-8 as of February, 2019:

Current FICO-8 as of September, 2021:

9 REPLIES 9
FireMedic1
Super Contributor

Re: Finally Joined the 800 Club!!

Job well done. Congrats!!!!! Great to see success stories! 👍






My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's.
Message 2 of 10
Rebuild2019
Established Contributor

Re: Finally Joined the 800 Club!!

Congratulations 🎊🎈🎉🍾 @HybridGunz on making it to the 800 club. Sounds like you had quite a journey.

CARDS: Discover It | QuickSilver One | Kohl’s | BBT Spectrum Cash Rewards | BBT Bright | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 3 of 10
Rebuild2022
Super Contributor

Re: Finally Joined the 800 Club!!

Congrats

Gardening since 08/2020
Message 4 of 10
805orbust
Established Contributor

Re: Finally Joined the 800 Club!!

Like a BAWSS 

FICO 8:  EQ:738  TU:767  EX:738
Message 5 of 10
HowDoesThisAllWork
Regular Contributor

Re: Finally Joined the 800 Club!!

Show off!  Ha! Ha!

 

Very nice.  It is sooooooo freaking awesome to see others who have struggled in the past and who have reached amazing heights (all depends on how 'you' define 'amazing heights'!  Sounds like 'reached 800' is exactly that).

 

If you could....and if you would be so kind.....could you *briefly* outline your plan and your execution of said plan?  For others to get a general idea of how one *could* approach such an obstacle?

 

Again, mad respect to you for reaching 800.

FICO8 Scores as of 2021 JULY 21:


FICO Auto 2/4/5 Scores as of 2021 JULY 21:


FICO Bankcard 2/4/5 Scores as of 2021 JULY 21:


FICO Mortgage 2/4/5 Scores as of 2021 JULY 21:


Starting Score: Exp 699
Current Score: Exp 699
Goal Score: Exp 750


Take the myFICO Fitness Challenge
Message 6 of 10
kilroy8
Super Contributor

Re: Finally Joined the 800 Club!!

This is great to see!

 

A cautionary tale for others as well, because it took about 9 years to get there. That's a long time, but you stuck with it.

Message 7 of 10
gdale6
Moderator

Re: Finally Joined the 800 Club!!

Fantastic, grats to your success!!!

Message 8 of 10
M_Smart007
Epic Contributor

Re: Finally Joined the 800 Club!!

@HybridGunz, Excellent progress & Congratulations!

Message 9 of 10
Rebuild2022
Super Contributor

Re: Finally Joined the 800 Club!!

Congrats

Gardening since 08/2020
Message 10 of 10
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