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Moving on up!

New Member

Moving on up!

When I was first establishing credit 10 years ago, I was VERY irresponsible.


4 years ago, My credit score was 337!


Judgments, charge-offs, late payments, collections, you name it, it was in my file. I basically ran away from my debts and tried to pretend they weren't there.


I started getting serious about 3 years ago. I started being proactive about student loan repayment/deferment options. I got two secured cards (USAA and Capital 1), paid on time for 2 years, and was then approved for two unsecured cards (Capital 1 Platinum and Spark).


6 months ago was approved for a Merrick Bank and a Quicksilver.


As of yesterday, all 3 scores are right around 600. 


With all balances at $0, I did an AOR and went from about $3k available credit to a little under $10k


I'll deal with the short term hit from the inquiries, but I feel like a year from now I'll be at about 700 all around. 


On my way to 800!

Message 1 of 6
Established Contributor

Re: Moving on up!

Congrats on your progress!!!!

Starting Scores 10/14 - TU 506(loan app), EX 520 (loan app)
Current Scores - 3/2/16 - EQ 725, TU 688, EX 681
My Wallet - Venture $23k, AMEX Delta SkyMiles - $15k, Chase United MileagePlus Visa - $6k, QS - $9.3k, Discover IT - $4.5k, Citi Double Cash - $2.9k, Amazon Visa - $1k, Camping World Visa - $1k, Sportsmans Guide Visa - $3k, Total Rewards Visa - $1.5k, - $5.2k, Amazon Store - $6k, Patelco LOC - $500

Message 2 of 6
Valued Member

Re: Moving on up!

This is an encouraging post especially for those who are just starting their credit repair journey. Patience and persistence is key. It may be painful in the beginning but the pure pleasure of financial freedom is priceless.

*yes I realize all the p words* ;-)

Starting Score: 580
Current Score: 580
Goal Score: 700

Take the myFICO Fitness Challenge
Message 3 of 6

Re: Moving on up!

Grats on your progress  Emoticon-Thumbs Up.png


One thing you dont want all your revolving accounts reporting 0 its a fico score drop, you want to let 1 card report a small balance each month of no more than 9% of its individual CL.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 4 of 6
New Member

Re: Moving on up!

Thanks for the advice.


I use all my cards regularly, and pay the balances in full each month.


I wasn't clear in my OP- my balances were all zero when I did the AOR.


Message 5 of 6
Frequent Contributor

Re: Moving on up!

Great job !!! keep it up!

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 6 of 6