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

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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: 725/719/719 (Aug 26h and my spouse is 722/700/714 (July 3)
Goal Score: 720


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Message 11 of 28
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: 725/719/719 (Aug 26h and my spouse is 722/700/714 (July 3)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 12 of 28
Valued Contributor

Re: My rebuild update (60 days success)

Congrats on your success!

Message 13 of 28
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: 725/719/719 (Aug 26h and my spouse is 722/700/714 (July 3)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 14 of 28
Established Member

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

congratulations on oyur success into the 700 club!

Message 15 of 28
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=823 08/29/19
EX fico08=813 09/12/19
EQ fico08=826 09/04/19
EX fico09=815 09/04/19
EQ fico bankcard08=852 08/27/19
Message 16 of 28
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: 725/719/719 (Aug 26h and my spouse is 722/700/714 (July 3)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 17 of 28
Senior 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!





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.
Message 18 of 28
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: 725/719/719 (Aug 26h and my spouse is 722/700/714 (July 3)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 19 of 28
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=823 08/29/19
EX fico08=813 09/12/19
EQ fico08=826 09/04/19
EX fico09=815 09/04/19
EQ fico bankcard08=852 08/27/19
Message 20 of 28
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