I did it!

Anonymous · ‎08-07-2021

I started building my credit in September 2019.

My scores were low 500. Like 515ish.

After I defaulted on my 1st CC in 2007, I never paid attention to my credit. I swore off using credit cards.

Today my experian account updated all of my credit scores.

Experian 755

Equifax 760

Transunion 759

They'll probably drop a little bit because I have applied for 3 new CCs.

My initial goals were to establish a good payment history, pay off all derogatory accounts, to improve scores to 700+, and to get an unsecured CC.
I started from the bottom with Self Loan & CC. I'm excited to see how much further I can get my scores up!

OmarGB9 · ‎08-07-2021

Congrats!

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

pizzadude · ‎08-07-2021

Great job rebuilding !!

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

FireMedic1 · ‎08-07-2021

Congrats! let those 3 cards age a bit and the smoke clears from the hits. Then 1 by 1 spread out the apps. You can keep growing. Great Job!

Anonymous · ‎08-07-2021

Thanks everyone!

I honestly thought it would have taken another year or so to get above 700.

@FireMedic1 I'm not planning on applying for anything else for a while!

Ive been thinking about opening a shared savings loan at NFCU just to keep adding some type of installment credit to my mix.

Red1Blue · ‎08-07-2021

Congrats my friend. Job well done.

FireMedic1 · ‎08-08-2021

@Anonymous wrote:
Thanks everyone!
I honestly thought it would have taken another year or so to get above 700.
@FireMedic1 I'm not planning on applying for anything else for a while!
Ive been thinking about opening a shared savings loan at NFCU just to keep adding some type of installment credit to my mix.

Perfect. You'll see a point gain once you do the SSL technique. Nowhere to go but up now!!!!!