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I'm so happy!

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Established Contributor

I'm so happy!

7/20 when my Discover card statement cut...I was at 577. I had one collection on my TU report.

 

I got that erased, after a lot of hard work, several calls, letters ,etc.

 

My satement cut again 8/20, and I'm up almost 60 points!

 

I have a 30 day late from WF, which I'm working on getting taken off via GW, hopefully next month when my statement cuts, I will be in the 670's.

 

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Message 1 of 8
7 REPLIES 7
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Valued Contributor

Re: I'm so happy!

Good job!

 

How old is the 30 day late? Might not even hurt as much anymore!

I'm back rebuilding my credit again, sigh.
Message 2 of 8
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Established Contributor

Re: I'm so happy!

The 30 day late is less than 30 days old (ouch)

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Message 3 of 8
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Frequent Contributor

Re: I'm so happy!

Awesome!  It's great seeing big jumps like that...especially when you cross into a new hundreds zone.

Message 4 of 8
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Frequent Contributor

Re: I'm so happy!

Congrats!!!


Starting Score: EQ 615 (MyFICO) TU 588 (Walmart) EX 576 (EX Website) Started this journey 06/26/2014
Current Score: EQ 710 (MyFICO) TU 673 (Walmart) TU 726 (MyFICO) EX 706 (MyFICO) As of Sep 2015
Goal Score: 750 or higher across the board

Take the myFICO Fitness Challenge
Message 5 of 8
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Established Contributor

Re: I'm so happy!

Congrats!


Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SCORES: Excellent · 830 to 848
INQUIRIES: 0
UNIVERSAL REVOLVERS: $200K Club
NUMBER OF CC ACCOUNTS: Less than 10
CARD USAGE: Minimal
CREDIT HISTORY: Very Lengthy · Seasoned Accounts
INCOME: Sufficient
UTIL: 1-2%
PYMTS: 100% Positive · Always PIF · AZEO
INSTALLMENTS: No thanks!
ASSETS: 100% Equity
TOTALLY REFUSE TO: Pay Interest or Annual Fees, Combine Accounts, Reduce Limits, Submit 4506-T, SCT, App Spree, Accumulate Inquiries, Do business with Comenity, Synchrony, Cap One, Wells Fargo, Citi, Barclays or any other credit-cancerous lending institutions
Message 6 of 8
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Frequent Contributor

Re: I'm so happy!

That's awesome!


Beginning myfico score watch 608 (4/4/14)
EQ 652 (9/17/14) myfico
TU 641 (9/17/14) myfico
EX 671 (9/17/14) myfico
**Goal Score: 700 across the board
Message 7 of 8
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Established Member

Re: I'm so happy!

congrats!

BK7 Discharge: Feb 2014 Starting Score: 579 Current FICO Score: 656

Goal Score: 660 short | 800+ long Goals Hit: 2 Active Cards: 6

Gardening Since: June 2014 Garden Goal: December 2014

Wish List: Chase Slate | Chase Disney | Discover IT | Barclays NFL Sig
CapOne QuicksilverOne : CL: $300CapOne Classic Platinum : CL: $300CapOne Sony : CL: $500J Crew : CL: $450Express NextVS Angel


Message 8 of 8
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