I started here in 2017....

ucdcrew · ‎06-16-2021

Thanks guys. That little dip in March was from buying my second house. Sitting right around 750 now.

babygirl1256 · ‎06-16-2021

Wow, absolutely fantastic . . . from 573 to 750 . . . certainly something to be proud of . . . keep it up!!! Congrats on the second house purchase! Enjoy!!!

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

Joobie · ‎06-21-2021

Congrats man! That July to Sept increase in 2019 was amazing.

Starting Credit Scores:

Current Credit Scores:

Current Credit Cards (In Order of Approval):

gdale6 · ‎06-21-2021

Great job, many kudos to you

Anonymous · ‎06-21-2021

What a comeback! Great job!

GrandBay · ‎06-22-2021

@ucdcrew Huge Congrats on your rebuild. Thanks for sharing this and showing the timeline. Rebuilding can be discouraging by you showed that it can be done over time.
what was most responsible for your Summer 2019 jump?

ucdcrew · ‎06-22-2021

That jump was when my last baddie fell off. My profile was thin and full of collections - i had no credit cards and a repo'd but reinstated and paid off vehicle loan - i was stupid and did not notice the auto pays were not coming out and had not updated my phone number. I got it back within the day but they reported a repo and would not GW it off. I started with a US Bank secured card and worked up from there. Now I have 6 but I'm gardening for a bit.

FireMedic1 · ‎06-23-2021

Nice! Thats how its done! Congrats on your recovery!!!!!!!

BK Free Aug25