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Need 4 points! Help STAT!

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Shogun
Moderator Emeritus

Re: Need 4 points! Help STAT!

Wishing you good luck!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 31 of 45
Anonymous
Not applicable

w0w

I got a credit alert from my fico this morning. They say my scroe went from 616 to 644! This is amazing I pray it is true. This is what i need to get my house. My leneder wantsto wait a few days. fingers crossed!!

Message 32 of 45
misslisa
New Member

Re: Need 4 points! Help STAT!

I've been following your post...Congrats....that increase should for sure work for you to get your new home!!!

Starting Score: 547
Current Score: 547
Goal Score: 670


Take the myFICO Fitness Challenge
Message 33 of 45
dddewdrop
Valued Contributor

Need 4 pts help STat


@Anonymous wrote:

I got a credit alert from my fico this morning. They say my scroe went from 616 to 644! This is amazing I pray it is true. This is what i need to get my house. My leneder wantsto wait a few days. fingers crossed!!


 Congrats that is awesome. I was going to recommend that if all your credit card accounts are reporting a zero balance, if you were to charge like $5 on whichever one had the soonest statement date then as soon as that card reported your balance would probably jump 5 points because then all your accounts wouldn't be reporting at 0 anymore...... Sounds like you got the points you need. Good luck.

Message 34 of 45
christinam77
Established Member

Re: Need 4 pts help STat

I've been following too! Please continue to keep us posted! My DH needs to raise his scores a bit so we can use his VA loan !!!! I need hope!

My Scores:
Equ: 575 (11.2011) 631 (09.2012) 646 (12.2012) 652 (01.2013)
Exp: 524 (11.2011) 573 (09.2012) 633 (12.2012) 629 (01.2013)
TU: 520 (11.2011) 601 (09.2012) 636 (12.2012) 641 (01.2013)
My Husband:
Equ: 530 (11.2011) 584 (09.2012) 600(12.2012) 599 (01.2013)
Exp: 529 (11.2011) 590 (09.2012) 621 (12.2012) 616 (01.2013)
TU: 550 (11.2011) 608 (09.2012) 629(12.2012) 626 (01.2013)
Message 35 of 45
shanac
Frequent Contributor

Re: Need 4 points! Help STAT!

I'm not sure if someone has answered this for you but here's how it works for me. I have two Capital One cards that are due on the 18th and from my CRs I know that they report to the CRAs on the 21st. I pay my balance by the 18th and do not use these cards until after they have reported to the CRAs on the 21st. If I use these cards between the 18th - 20th, they will report whatever new charges I have accumulated.


iPhone. iTypos. iApologize

Current Score: EQ FICO 764 TU FICO 776 EX FICO 753
Goal Score: 800
Message 36 of 45
Anonymous
Not applicable

Re: Need 4 points! Help STAT!-UPDATE

The lender ran my score and I did get the 28 points!! I am so excited. So my middle score of 616 went to 644!!! Now I have a few more options and it looks like I am going to get my little house!! Thank you everyone for your encouragement and help!! Removing one stinking collection was the ticket. And the collection agency told me NO, but I went above and above until I got the answer I wanted. Smiley Happy They removed it and it made all the difference!

Message 37 of 45
guiness56
Epic Contributor

Re: Need 4 points! Help STAT!-UPDATE

Message 38 of 45
Anonymous
Not applicable

Re: Need 4 points! Help STAT!-UPDATE


@guiness56 wrote:

Congrats!  Very happy for you!


THANKThank you!
Message 39 of 45
Shogun
Moderator Emeritus

Re: Need 4 points! Help STAT!-UPDATE

Yup, you get one of these!

 

Happy Dance!!!

jimm carry dance.gif

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 40 of 45
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