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Wishing you good luck!
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!!
@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.
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!
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.
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. They removed it and it made all the difference!
Congrats! Very happy for you!
@guiness56 wrote:Congrats! Very happy for you!
THANKThank you!
Yup, you get one of these!
Happy Dance!!!