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

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Regular Contributor

Re: My rebuild update 45 days success

Update

TU hit with the third card. Wife Almost got it to 700 but fell short

New scores
714/692/703

I still wait for my third card to report and for the CO payment to show paid and no longer report as monthly past due

I will post all updates when it hits
My scores now
692/666/697
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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Message 11 of 34
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Regular Contributor

Re: My rebuild update (60 days success)

Still waiting on my AMEX to hit the reports so I get 3 open revolvers d better utilization but my scores went up again via alert, but no clear reason why. I think the CO cc I paid may have updated or aged a month and thus had first month of not reporting. Anyway I’ll repost the fico8 updates

Wife:
EQ/TU/EX (March 7)
649/647/602
Paid off 3 CO stud loans and 1 CO cc, removed 1 collection on EX and got 2 new cc’s
Results (May 7)
714/692/703 (+65/+45/+101)

Me:
EQ/TU/EX (March 7)
652/644/654.
Paid CO cc and reduced cc utilization
New scores: (May 7)
697/666/699 Fico 8. (+45/+22/+45)

Fingers crossed for 700 club when AMEX card hits the reports with SL 11k

One CO student loan re-reported a tradeline balance update to TU as I pay it down with goal of August payoff so I took a hit on TU score but I don’t care because it will soon be paid off and then all debts paid!

Amazing how paying down utilization and past due CO could increase the scores so quickly.
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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Message 12 of 34
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Valued Contributor

Re: My rebuild update (60 days success)

Congrats on your success!




"Your ego is writing checks your body can't cash".
Message 13 of 34
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Regular Contributor

Re: My rebuild update 45/60/90 days success 700 club

So I did it. Amex card hit via Experian and with updates on other two alerts, I assume all 3 bureaus got it. Also paid off an auto loan

700 Club!

704/705/707 (+52/+61/+53)
No azeo yet
Date last negative 2 years!

To do:
July: pay off the last CO stud. Loan so there will be no more “past due accounts” reporting and no CO balances!

Aug: pay off a closed discover cc that I have 1% interest payment plan, not a CO.

Oct: pay off 2nd car loan

Nov: AZEO pay down Amex to hit below 8.9%

Save save save

April 2020 mortgage app!


Thank you everyone for your help! I’ll post updates as always
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 14 of 34
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Established Member

Re: My rebuild update 45/60/90 days success 700 club

congratulations on oyur success into the 700 club!

Message 15 of 34
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Valued Contributor

Re: My rebuild update 45/60/90 days success 700 club

Still seats available on the train, next stop High acheivers club, followed by 800+. Grab a boarding pass and join the on board party. Great job for such a short time.

TU fico08=822 08/24/20
EX fico08=816 08/24/20
EQ fico08=831 08/24/20
EX fico09=827 09/05/20
EQ fico bankcard08=852 07/28/20
TU Fico Bankcard 08=856 07/23/20
EQ NG1 fico=786 07/18/20
EQ Resilience index score=59 08/24/20
Unknown score from EX=784 used by Cap1 07/10/20
Message 16 of 34
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Regular Contributor

Re: My rebuild update 45/60/90 days success 700 club

High achiever club?

Is that over 750 or something?
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 17 of 34
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Super Contributor

Re: My rebuild update 45/60/90 days success 700 club

Keep one installment loan open, If you pay them all off. You'll get a score decrease 10-15+ point avg deduction. Unless you have a mortgage and it doesnt matter then. Congrats!

Message 18 of 34
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Regular Contributor

Re: My rebuild update 45/60/90 days success 700 club

@FireMedic1
Will do. We should be all set. Just got a 3x Amex CLI which guarantees me azeo

Only issue now is getting mtg scores up because I have to do conventional because I mis-read the Fha limits. So 680 is the goal. We’ll see in a few months how that goes
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 19 of 34
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Valued Contributor

Re: My rebuild update 45/60/90 days success 700 club

 

 


@DGOATS1 wrote:
High achiever club?

Is that over 750 or something?


I think it is at least 1 of the 3 CRA fico 08 scores being 760 or better. There is a high acheivers club thread that does not expire, just as there is a garden club thread that starts over every month. 800 club is just what people say when they have scores over 800.

TU fico08=822 08/24/20
EX fico08=816 08/24/20
EQ fico08=831 08/24/20
EX fico09=827 09/05/20
EQ fico bankcard08=852 07/28/20
TU Fico Bankcard 08=856 07/23/20
EQ NG1 fico=786 07/18/20
EQ Resilience index score=59 08/24/20
Unknown score from EX=784 used by Cap1 07/10/20
Message 20 of 34
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