I told yall I loved a new month. And my SW alert this morning shows my reason for this love affair. EQ score jumped 13 points. Im now at 678! A couple things probably contributed to this. 1. One of my SM accounts only has one 30 day late and it just reached 2 years old this month, 2. My Cap1 and WF secured cards made 6 months old this month; and 3. another month of on time payments and pushing old lates on cap1 auto further back (last late March 2012).
Time for a happy dance.
@Anonymous wrote:Where did you get this chart, if you dont mind me asking?
From MyFICO. The ScoreWatch service tracks it for you and gives you this chart. You can adjust it for 3 months, 6 months, 1 year or 3 year periods. Its one of the coolest things I like about the service. Gives me motivation as I go forward with my rebuilding.
Nice Duncan!!!! Looking good!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Congrats!
I'm doing the happy dance right with you...new month and my score is up 19 pts. I love the new months!!
Starting Score: 700
On top of this, I go home for lunch and I actually have a working sink in my kitchen! I'm not sure which one I'm happier about 
Your post gives me hope! Seeing that you went from around a 550 to the 670s in 6 months is awesome. I have a lot of work to do to get there, but it seems possible!
Current Score: TU: 674 | EQ: 722 | EX: 717 | Last Inq. 2/16/15...Locked Up in The Garden
@kjel. It takes time and some introspection coupled with a willingness to change bad behaviors. If I can do it I'm sure you can as well.
