So thanks to these forums, free time and persistence myself and my husband’s scores have increased tremendously! I started at 550 (my fico EQ pull) and that was around October 2012 and my latest score is 659---this is from sending letters, paying off stuff and learning the laws. My husband was at 540 and is now at 618 and our transunions/experians have increased also. This is just an encouragement for anyone that thinks it not possible to rebuild credit, Review your credit reports thoroughly---there are so many mistakes on credit reports that people look over, get advise from these forums and make time for what's important. Credit scores are a huge part of living...you need it for everything & it's worth the time and effort. I know one thing, we will stay on top of our credit from here forward---looking to be in the 700 club next year & also purchasing our first home this summer!!
Awesome!
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