August 26 725/719/719. Fico 8 (+73/+75/+65) 667/684/688. mtg (+20/+74/+42)
I paid off a cap 1 CO that was over limit and reporting every month Paid off 1 CO student loan- this was my last paid CO resulting in no more past due giving me +12 EX and +20 EQ. I paid down cc to 22% Opened new cc to have 3 cc total Hit milestone of 2 yrs since last neg. No success with goodwill on lates To do: AZEO still needed for more growth and 1 closed cc still has bal. to be paid.
I paid off three CO student loans and paid off one CO cap1 card reporting every month and got 1 collection removed from EX. No success on goodwill letters Got 2 new cc for a total of 3. Hit milestone of 2 yrs since Last neg.
Time to set a new goal after we buy house next year!
Starting Score: 652/644/654 (March 7) and spouse 649/647/602 Current Score: 725/719/719 (Aug 26h and my spouse is 722/700/714 (July 3) Goal Score: 720
Excellent. Keep hammering at it. You'll get there.
My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.