cancel
Showing results for 
Search instead for 
Did you mean: 

THANK YOU ALL - 44 POINT IN ONE MONTH!

tag
CocoD
Member

THANK YOU ALL - 44 POINT IN ONE MONTH!

I began to work on my credit about a month ago after being told my credit score  was 5 points short of the 640 needed for a home refinance. I began with a EQ FICO of 608 and TU-FICO of 622.  I confess I became addicted to reviewing this site and had many sleepless nights reading post after post, but it was all worth it.   I started with 2 small medical collections, I collection for a mobile phone that have not had in over 8 years that was reported in 9/2012 and showing active,   2 accounts with one 30 day late and one  account with two 30 day lates and one public record , a released tax lien.   I had one medical collection removed by PFD and one was paid and deleted by all 3 credit bureaus  after I submitted proof of payment. I disputed the collection account for the mobile phone and it was deleted. I disputed the released  tax lien with TU but it was updated and was not on the other 2 reports.   I also paid down my credit cards from 66% utilization to 44%.

 

My lender pulled my credit on 3/27/13 and my scores were EQ-663, TU.-  668 and  EX- 681.  Today I was approved for car refinancing from my work credit Union  with a rate of 3.3% down from 10.2 %  and was approved for a platinum Visa with a $5000.00. I also received a $500 CLI from Chase.  No more applications for several months. Will work on tending my garden.  I could not have made such good progress without all of you. I still have a long way to go, but I am encouraged to continue to take control of my finances and credit.  Thank-you all  again.

 

Starting Scores:  EQ-FICO 608, TU-FICO- 622, Lender pull- 635

Current Scores: EQ-FICO- 663- Lender Pull ( EQ-663, TU-668- EX-681)

GOAL Scores: 720 across the board.

 

Message 1 of 7
6 REPLIES 6
guiness56
Epic Contributor

Re: THANK YOU ALL - 44 POINT IN ONE MONTH!

Message 2 of 7
tdrjustus3
Regular Contributor

Re: THANK YOU ALL - 44 POINT IN ONE MONTH!

Good for you!  Congrats on the improvement.



No apps until 8/2014
March 2013 Starting FICO Score: EQ: 584 TU: 564 EX: ??
August 2013 Current FICO Scores: EQ:664 EX:684 Walmart TU: 666
Message 3 of 7
chevyman
Contributor

Re: THANK YOU ALL - 44 POINT IN ONE MONTH!

Nice
Message 4 of 7
kris10smom
Valued Member

Re: THANK YOU ALL - 44 POINT IN ONE MONTH!

Awesome!  WTG!Smiley Very Happy


Starting Score: 520
Current Score: 682
Goal Score: 720


Take the myFICO Fitness Challenge
Message 5 of 7
koky
Frequent Contributor

Re: THANK YOU ALL - 44 POINT IN ONE MONTH!

Congrats...
Message 6 of 7
makeupho
New Contributor

Re: THANK YOU ALL - 44 POINT IN ONE MONTH!

Congratulations!

Ch13 filed 3/2009 : discharged 1/2014
Starting 2/16/2013:
EQ673 TU667
Current 6/3/2018: EX816 EQ806 TU820
Goal: 850

Take the myFICO Fitness Challenge
Message 7 of 7
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.