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Finally above 700 x3!

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JustJay119
Regular Contributor

Finally above 700 x3!

Finally hit above 700 with all three bureaus! It was a long road and discipline was key!!

All my previous charged off credit cards have finally been removed from my reports. Only derogs left are from my auto loan, which has been settled and a couple lates on  a mortgage. But the rebuild was fun and I could not have done it without this site. Seeing prequalifications at major banks, feels good. My goal is to just grow my Amex and finally get that schwab checking. 





 

Current

AU

Banking

Scores 10/15/21
8 REPLIES 8
tnhomestead
Frequent Contributor

Re: Finally above 700 x3!

Congratulations! Just got 2 stick to it and you will be busting 850 b4 you know it!

Message 2 of 9
FireMedic1
Community Leader
Mega Contributor

Re: Finally above 700 x3!

Congrats! Welcome to the 700 club! Nice job!



BK Free Aug25
Message 3 of 9
babygirl1256
Senior Contributor

Re: Finally above 700 x3!

Congrats on making 700 club . . . it's a great achievement . . . well done and best wishes for continued success!!! Smiley Wink

Grow through credit rebuilding clip art.png

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 4 of 9
Binbinimiwi
Frequent Contributor

Re: Finally above 700 x3!

Congratulations on getting into the 700 Club! That's so awesome!

>>
FICO8 Scores as of JAN 2021:

FICO8 Scores as of JULY 2023:

FICO9 Scores as of July 2023:


Message 5 of 9
tcolesz12
Regular Contributor

Re: Finally above 700 x3!

Congrats on the 700 club im hoping to be there soon, so close I can taste it!

Message 6 of 9
DLynn1920
Established Member

Re: Finally above 700 x3!


@JustJay119 wrote:

Finally hit above 700 with all three bureaus! It was a long road and discipline was key!!

All my previous charged off credit cards have finally been removed from my reports. Only derogs left are from my auto loan, which has been settled and a couple lates on  a mortgage. But the rebuild was fun and I could not have done it without this site. Seeing prequalifications at major banks, feels good. My goal is to just grow my Amex and finally get that schwab checking. 





 


CONGRATS! I'm trying to be like you! Smiley Happy

Any tips on how to do it? I'm still trying to rebuild myself from the low 500s. 

VantageScore 3.0 in July 2021:


FICO 8 scores as of Sept 14, 2022:






Goal Cards:

Message 7 of 9
IamWesty12
Frequent Contributor

Re: Finally above 700 x3!


@JustJay119 wrote:

Finally hit above 700 with all three bureaus! It was a long road and discipline was key!!

All my previous charged off credit cards have finally been removed from my reports. Only derogs left are from my auto loan, which has been settled and a couple lates on  a mortgage. But the rebuild was fun and I could not have done it without this site. Seeing prequalifications at major banks, feels good. My goal is to just grow my Amex and finally get that schwab checking. 





 


@JustJay119 Congrats, hard work does in fact pay off.  Kudos, enjoy the fruits of your labor!!!

Starting Score: 461
Current Score: 689
Goal Score: 775


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Message 8 of 9

Re: Finally above 700 x3!

Congratulations! 

I too am now above 700 on one of my credit scores out of the three.  Just waiting for another one of my accounts to report a zero balance (possibly today or tomorrow) to see my scores go up another 30+ points. 

Message 9 of 9
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