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My rebuild update 45/60/90/120 days success 700 club

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Regular Contributor

My rebuild update 45/60/90/120 days success 700 club

I’m just going to update this first post due to all the changes that occurred over the last 5 months.

March 7 (rebuild began)
Me:
EQ/TU/EX (March 7)
652/644/654. Fico 8
647/610/646 mtg

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.

Wife
EQ/TU/EX
649/647/602 Fico 8
641/613/615 mtg

July 23
722/700/714 Fico 8. (+73/+53/+112)
- - -/- - -/677 mtg.

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: 725/726/719 (Jan 7 and my spouse is 731/715/721 (Jan 7)
Goal Score: 720


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30 REPLIES 30
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Valued Contributor

Re: My rebuild update 45 days success

Wow, very encouraging! Good work! 

Rebuilding and Reducing Debt, is my game plan.
Message 2 of 31
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Moderator

Re: My rebuild update 45 days success

Congrats on your progress so far

Message 3 of 31
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Valued Member

Re: My rebuild update 45 days success

Fantastic Job. 

Message 4 of 31
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Super Contributor

Re: My rebuild update 45 days success

Excellent. Keep hammering at it. You'll get there.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 5 of 31
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Established Contributor

Re: My rebuild update 45 days success

You're headed in the right direction for sure!  Good job!

 

Minion Congrats.gif




Message 6 of 31
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Regular Contributor

Re: My rebuild update 45 days success

So excited. My wife got the 2 additional cc apps for the magic 3. They hit the EQ and EX today and she is now in the 700 club

EQ/TU/EX (March 7)
649/647/602 Fico
Paid off 3 CO stud loans and 1 CO cc, removed 1 collection and got 2 new cc’s

Results (May 5)
714/670/703 (+65/+23/+101)

So much fun. Waiting on TU to hit and hopefully she gets all 3 past 700

I’ll post my updates once my AMEX card hits. Fingers crossed for the 700 for me
Starting Score: 652/644/654 (March 7) and spouse 649/647/602
Current Score: 725/726/719 (Jan 7 and my spouse is 731/715/721 (Jan 7)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 7 of 31
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Valued Contributor

Re: My rebuild update 45 days success

Way to go!  Enjoy the spoils of your hard work.




UNpopular opinions have served me well and will offer that which has worked for me.
Message 8 of 31
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Established Member

Re: My rebuild update 45 days success

Wow! Great work!!

Were the student loans and CO CC removed from her report? 

I get overwhelmed when planning what I need to do next but your results are inspiring. 

 

 

 

Message 9 of 31
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Regular Contributor

Re: My rebuild update 45 days success

They were not removed . Balance just shows 0 when paid and comment says paid, was charge off. Not having past due reporting each month helps now as well as 3 open revolvers and an installment
Starting Score: 652/644/654 (March 7) and spouse 649/647/602
Current Score: 725/726/719 (Jan 7 and my spouse is 731/715/721 (Jan 7)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 10 of 31
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