** Progress Thread-Experian score into the 700s. The credit card made a huge difference.

[Aspireto850]

Well the current trend and big hit is the new Apple credit card. So if you're an Apple user/Fan this may be of interest. You apply directly from an app in your Apple phone and it takes about 15 seconds from submit to approval and they pull exclusively from Transunion. The card is issued by Goldman Sachs. However, you must first express interest in receiving an application. 

I'm on mobile device so not able to provide links but this site has tons of info on it. Here are few cards which have pre-qual sites so it's a soft pull and you can check to see if it shows a pre-approval for you. You can find the link on this site or it's actually quicker to just google, as an example, "Citi credit card pre qualify" 

• Home Depot
• Citi
• BB&T bank
• BBVA 
• Chase (shows pre-qual in app if you're a customer)
• Amex....not sure if there is a general pre-qual for non-customers

Hope this helps...Let us know.

[Anonymous]

I have no interest in an apple card.  I don't own any apple products.  The only thing I have ever owned was an apple i-pod that was lost years ago.  I don't have anything against apple.  I am definitely not a hater, but I am used to my android phones so will stick with them

I am a Chase customer.  I tried to figure out if they did pre-qual, but I couldn't find a pre-qual option anywhere even after signing in.  It only gave me the option to 'apply for the card'.  Maybe I was looking in the wrong spot.  I'll check out their site again.  Same with Amex.  Didn't see a pre-qual option.  However, I do think I may be pre-qualified for a Chase card.  I seem to remember receiving something in the mail from them a couple months ago.  I'll have to see if I still have that letter.

I ahve heard some horror stories about citi bank CSR so I might try to avoid them.  Have no use for Home Depot.  I'll definitely look into BB&T and BBVA.  See if I pre-qualify where I am currently at and then if I do, I will sign up when the collection falls off of Equifax.  Thanks!

[Anonymous]

Pre-approved for Chase Freedom card.  Curious to see what I could be approved for once the collection is removed from Equifax and once the Discover card starts reporting.  Anyone know what score version Chase uses for credit card approvals?

I was also pre-approved for BB&T and BBVA.  I will keep those in mind.  I did not receive any pre-approval offers from AMEX.  Wonder if they are pulling scores from Equifax which are still lower due to the medical collection not having been removed yet.  I'll try pre-approval with them again once that collection is gone.  And then I will choose the best card for my needs out of the ones I was pre-approved for.

[Anonymous]

I just got an update from Experian website.  My Experian score has increased to 788 (Fico 8 score).  It is now reporting the second credit card and a credit utilization of 5%.  MyFico is still reporting the 769 score but it has not been updated there yet.  It always takes MyFico a few days to get the score updates.  About three days agi, I also had a score bump for my Equifax score up to 708.  I think the score bump from 693 to 708 was due to the collection dropping off but I can't be sure until I get my updates credit report around the middle of September.  I guess that BOA account is hurting me there.  Maybe the effect of the BOA account was just somewhat depressed when the scores were less than 700?  At least, all my scores are now in the 700s!  Though there is basically an 80 point difference between Experian and Equifax with Transunion being in the middle of the two at 741.  I think the Transunion score is possibly lower than Experian because Transunion deleted the BOA account altogether so I have fewer accounts listed with them and thus a shorter AAoA.  The Equifax and Transunion scores are also not yet reporting the second credit card.

I have been pulling old credit reports and really studying them.  I realized that the BOA account went delinquent in 2011 not 2012...can't keep my years straight on here when posting.  So it was basically dilenquent in mid-2011 and stayed dilenquent until mid-2014 and fully paid off on 01/2015.  I had set up a payment plan with BOA so the account never charged off.  Like I said Experian never reported this account as 'past due' even though it definitely was.  They just reported either 'not reported' or 'ok' for these months.  Not complaining at all since it definitely helped with my Experian score. 

My question is since the account was basically delinquent and never brought current from 06/2011 to 07/2014, how should these 'lates' drop off my credit reports?  I have heard differing things.  I went back through all my alerts and these lates started dropping off Transunion last year at the 7 year mark (7 years from 2011).  They continued dropping off until the account was completed deleted either in I believe November of last year.  Is this how it should be done?  I have read threads with people arguing that a string of lates should all drop off when the first late hits 7 years.  Someone else argued that they drop off month by month.  Which is correct?  If they are supposed to drop off when from the first in a string of lates, then the BOA lates on Equifax should already be gone, correct?  If they are supposed to drop off month by month, then they will be on Equifax until 2021?  If they are supposed to drop off month by month, it kinda sucks that I will be penalized for a longer period of time than if I had just let the account charge off in 2011.  I could have made payment arrangements with the collection agency instead of BOA, and it would basically already be off my report.  I set up the payment plan with BOA right before they were planning to charge off the account as I did not want a charge off on my report.  I realize a charge off hurts more than lates but my credit was already screwed at that point in time (several charge offs and collections due to being laid off).  What was one more charge off really going to do if it would have been dropped from my report two years before paying BOA directly.  Frustrating!

[Anonymous]

Just an update on scores.  EX score has increased to 792 after the third CC was reported.  My TU score is now 755 after it reported the second card.  It still is not reporting the third card yet.  EQ score is still 708.  It is only reporting one card still and still has the BOA 120 day late negatives reporting.

[Anonymous]

Another update.  My Equifax score just bumped up to 727 from 708 as the second card was just reported.  It still is not reporting the third card yet so I expect an additional boost there like I have seen with EX and TU which are reporting all three cards.  Also, I am unsure if EQ is still reporting the medical collection.  I didn't get an alert that the collection fell off but I did get a score bump from 693 to 708 about a week ago?  Maybe this score bump was from the collection falling off?  If this was collection being removed, then it was a much smaller boost in credit score than I saw with the other CRAs.  I got around a 40 point boost with them as opposed to only 15 points (693 to 708) with EQ.

So my current scores stand as: EX 792, EQ 727, TU 755.

[Anonymous]

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Equifax score just bumped up to 735 from 727.

So my current scores are EX 792, EQ 735, TU 755

[Anonymous]

Just an update on my scores...all scores bounced up a few points.

Experian: 792 to 798 (score from 07/19: 654)

Transunion: 755 to 760 (score from 07/19: 659)

Equifax: 735 to 743 (score from 07/19: 656)

Neither Experian or Transunion have dropped the two 60 day lates from my school loans.  These will fall off in December anyway.  At this point, I am just curious to see if my EX score will hit 800 (2 points left) with these two derogatories before they fall off in a couple months.  Probably not but I am just curious at this point.  Since I am not needing credit for anything, I just plan on letting them fall off naturally.  I do find it odd that EX kept telling me they would fall off in September on their own, but it still didn't happen.  I'll call them again if they don't come off by December as that is the 7 year mark.  What is really odd is that I actually called both EX and TU about these derogs at the beginning of the month, and they are still showing them.  However, EQ who I didn't bother to call dropped both of them this month.  Go figure

So the only negatives now on EQ are from my BOA credit cards which went late starting in mid-2011.  Never charged off.  Closed account in 2012 and set up a payment plan with BOA.  Account brought current in mid-2014 and fully paid off in early 2015.  EX never listed these as late, and TU dropped the accounts totally when the original lates hit the 7 year mark.  I may try to talk to EQ about these accounts.  If I had let the accounts just CO and paid the amount through the collection agency, all these would already be off my report, but it looks like the way EQ is handling it is that they are dropping lates month by month.  Feels like I am being punished for actually setting up a payment plan with BOA instead of just letting account CO.  Or maybe I should speak with BOA, instead?  The way EX is handling it, the last late won't fall off until mid-2021.  Pretty frustrating to feel like you are being punished for actually trying to do the responsible thing of paying the bill instead of letting it charge off.

[OmarGB9]

dang, 100 to 150 point increase in 3 months! That's crazy.

[Anonymous]

Another score update.  My TU score just shot up from 760 to 811.  I think the two 60 day lates were removed.  They were due to fall off in December.  So removing to 60 day lates that were almost 7 years old caused my score to jump 51 points.  So since mid-July, my TU score has increased 152 points.  I no longer have any baddies reporting on TU.  

Experian: still at 798 (score from 07/19: 654)

Transunion: 760 to 811 (score from 07/19: 659)

Equifax: still at 743 (score from 07/19: 656)