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GOOD UPWARD SCORE MOVEMENT THIS MONTH!

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Established Contributor

GOOD UPWARD SCORE MOVEMENT THIS MONTH!

Happy as a clam right now; just pulled my scores & I had some good upward movement in all my scores this month!

 

FICO 8- EX from 638 to 665; TU from 690 to 692; EQ from 673 to 686  EDIT: 689

FICO 9- EX from 619 to 629; TU from 609 to 640; EQ from 619 to 622

FICO M- EX from 690 to 709; TU from 693 down to 691(?); EQ from 675 to 684

FICO A- EX from 686 to 725; TU from 714 down to 712(?); EQ from 682 to 686

FICO BC- EX from 659 to 672; TU from 677 to 685; EQ from 665 to 674

 

My TU scores may have dipped because CK stated that I missed a student loan payment, but they are currently in deferment, so a late isnt possible right now. I'll have to call TU.

 

Now, I'm not posting these to brag (because in the overall scheme of things these aren't great scores), but to show others that are starting out or early in their journey who get frustrated that with time & patience your scores WILL start to climb. Stay the course & never give up!



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: December 1, 2019: EX 690 TU 706 EQ 699
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

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Message 1 of 23
22 REPLIES 22
Community Leader
Mega Contributor

Re: GOOD UPWARD SCORE MOVEMENT THIS MONTH!

Go, Mr McDoodlebutt! 

 

Congrats! 

Message 2 of 23
Moderator

Re: GOOD UPWARD SCORE MOVEMENT THIS MONTH!


@ScooterMcDoodlebutt wrote:

Happy as a clam right now; just pulled my scores & I had some good upward movement in all my scores this month!

 

FICO 8- EX from 638 to 665; TU from 690 to 692; EQ from 673 to 686

FICO 9- EX from 619 to 629; TU from 609 to 640; EQ from 619 to 622

FICO M- EX from 690 to 709; TU from 693 down to 691(?); EQ from 675 to 684

FICO A- EX from 686 to 725; TU from 714 down to 712(?); EQ from 682 to 686

FICO BC- EX from 659 to 672; TU from 677 to 685; EQ from 665 to 674

 

My TU scores may have dipped because CK stated that I missed a student loan payment, but they are currently in deferment, so a late isnt possible right now. I'll have to call TU.

 

Now, I'm not posting these to brag (because in the overall scheme of things these aren't great scores), but to show others that are starting out or early in their journey who get frustrated that with time & patience your scores WILL start to climb. Stay the course & never give up!


Grats on the higher scores. As far as the deferment, just dispute that late stating its in deferrment, they are going to have to verify it with the creditor anyway, upload your deferrment approval as proof.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 3 of 23
Super Contributor

Re: GOOD UPWARD SCORE MOVEMENT THIS MONTH!

No one should look at it as bragging. Your in rebuild mode and its working Scoot! I've said it many times. My siggy is just for others to see what can happen if you research here. Ask questions. And learn from everyone that have been in our shoes and how they recovered. I recovered and now I spend my time in the BK and Rebuild corner of the forum to pay it forward to others of what I learned and to pass it on man. Keep on kicking butt dude!





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 at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 4 of 23
Valued Member

Re: GOOD UPWARD SCORE MOVEMENT THIS MONTH!

I LOVE POSTS LIKE THIS!!! I too had a slight increase this month and it feels good to share with people who support and encourage you. My scores are way lower than yours BUT i feel optimistic every time I read a post! I know ONE DAY I will post that I hit 600 then 700 and maybe one day 800.
Thanks for sharing and KEEP GROWING!!!
Message 5 of 23
Contributor

Re: GOOD UPWARD SCORE MOVEMENT THIS MONTH!


@ScooterMcDoodlebutt wrote:

Happy as a clam right now; just pulled my scores & I had some good upward movement in all my scores this month!

 

FICO 8- EX from 638 to 665; TU from 690 to 692; EQ from 673 to 686

FICO 9- EX from 619 to 629; TU from 609 to 640; EQ from 619 to 622

FICO M- EX from 690 to 709; TU from 693 down to 691(?); EQ from 675 to 684

FICO A- EX from 686 to 725; TU from 714 down to 712(?); EQ from 682 to 686

FICO BC- EX from 659 to 672; TU from 677 to 685; EQ from 665 to 674

 

My TU scores may have dipped because CK stated that I missed a student loan payment, but they are currently in deferment, so a late isnt possible right now. I'll have to call TU.

 

Now, I'm not posting these to brag (because in the overall scheme of things these aren't great scores), but to show others that are starting out or early in their journey who get frustrated that with time & patience your scores WILL start to climb. Stay the course & never give up!


Progress is progress....Congrats!!!

Starting score 6/19 TR 567 Ex 589 EQ 540
7/19 TR 620 EX 595 EQ 577
8/19 TR 643 EQ 614 EX 612
Goal: 680 by 12/19
Message 6 of 23
Community Leader
Senior Contributor

Re: GOOD UPWARD SCORE MOVEMENT THIS MONTH!

When a lot of people see 2-5 points in a month, I’d say that’s a great gain - congrats man!


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 7 of 23
Frequent Contributor

Re: GOOD UPWARD SCORE MOVEMENT THIS MONTH!

I wouldn't stress about those 2pt drops, that's basically nothing. Literally a $5 variance in balance could do that. Don't stress. Youre doing awesome, those are prime scores! Awesome gains for a month. I love seeing score jumps like that.

    Total CL: $21,100
Fico 8 Scores:
12/2018:
03/2019:
06/2019:
09/2019:
Goals:   550 by 12/2018 600 by 3/2019   650 by 6/2019   700 by 1/2020   750 by 1/2021 800+ by 1/2022
7 derog. (all settled 1/2019)     |     Inquiries: 1, 4, 5     |     AoOA: 10.2yr     |     AAoA: 5.4yr     |     AoYA: 0.6yr
Message 8 of 23
Established Contributor

Re: GOOD UPWARD SCORE MOVEMENT THIS MONTH!

Just had a straggler score bump from EQ: +3 pts! Yay!



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: December 1, 2019: EX 690 TU 706 EQ 699
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

Take the myFICO Fitness Challenge





Message 9 of 23
Established Contributor

Re: GOOD UPWARD SCORE MOVEMENT THIS MONTH!

August score bumps & hiccups:

 

FICO 8- EX from 671 to 674; TU from 692 to 697; EQ from 689 to 684 

FICO 9- EX from 629 to 631; TU from 640 to 630; EQ from 622 to 632

FICO M- EX from 709 to 709; TU from 691 to 703; EQ from 684 to 696

FICO A- EX from 725 to 724; TU from 712 to 723; EQ from 686 to 696

FICO BC- EX from 672 to 681; TU from 685 to 690; EQ from 674 to 674



Starting Score: Nov 3, 2018: EX 597 TU 599 EQ 616
Current Score: December 1, 2019: EX 690 TU 706 EQ 699
Goal Score: Dec 31, 2019: EX 700 TU 700 EQ 700

Take the myFICO Fitness Challenge





Message 10 of 23
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