Thank You myFICO peeps!

Anonymous · ‎01-02-2019

I started actively rebuilding my credit a little over a year ago. My goal was to qualify for medical financing for a surgery. I reached my goal and had surgery last summer! Now my goal is to qualify for a mortgage.
Along the road to rebuilding my credit I dragged my DH with me and his credit has improved also. My scores started in the very low 600s and DH scores started in the upper 500s (FICO 8). My scores are bouncing around 670 and DH scores are bouncing around 650. Our mortgage scores are slightly higher.
I would not have been able to do it without all the advice I found on this forum. At one time DH told me I loved myfico more than him LOL.
THANK YOU EVERYONE!
YOU ROCK!

pizza1 · ‎01-02-2019

@Anonymous wrote:
I started actively rebuilding my credit a little over a year ago. My goal was to qualify for medical financing for a surgery. I reached my goal and had surgery last summer! Now my goal is to qualify for a mortgage.
Along the road to rebuilding my credit I dragged my DH with me and his credit has improved also. My scores started in the very low 600s and DH scores started in the upper 500s (FICO 8). My scores are bouncing around 670 and DH scores are bouncing around 650. Our mortgage scores are slightly higher.
I would not have been able to do it without all the advice I found on this forum. At one time DH told me I loved myfico more than him LOL.
THANK YOU EVERYONE!
YOU ROCK!

Thats fantastic!! Congrats on reaching your goal you set out to do! I have no doubt you'll reach your next one (s).

19eighty5 · ‎01-02-2019

Thank you for sharing your and DH's progress! Wishing you two the best

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Brooklyn2018 · ‎01-02-2019

Nicely done!👍

Best Wishes towards the future!🤞

😊

Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700**MET MY GOAL** | Goal score: 800
Take the myFICO Fitness Challenge

>

I❤️NY

Anonymous · ‎03-14-2019

Update!
We just closed on a house. Got the keys today. My mortgage scores upper 600s-lower 700s. DH mortgage score around 660.
Thank you everyone for posting. I have scoured this site for the last year-and-a-half to improve my credit.

Queen_Etherea · ‎03-15-2019

@Anonymous wrote:
Update!
We just closed on a house. Got the keys today. My mortgage scores upper 600s-lower 700s. DH mortgage score around 660.
Thank you everyone for posting. I have scoured this site for the last year-and-a-half to improve my credit.

OMG CONGRATS!! We're hoping to buy a house next year and I'm feverishly working on my credit until then and saving a butt load of money. I don't even want to start looking until our scores are in the mid 700's, but it seems they don't necessarily need to be.

Anywho... YAY NEW HOUSE!!!

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.

Wells Fargo Platinum: 3/17 : $1,900 (Unsecured 12/1/2018 w/CLI)

American Express Blue Cash Everyday: 9/18 : $2,000

American Express Blue Cash Preferred: 12/18 : $10,000

American Express Everyday Preferred: 1/19 : CLOSED

PayPal MC 2% : 09/18 : Closed by Synchony

PenFed Power Cash Rewards : 10/18 : (Merged with Gold) $16,000

Synchrony – Amazon Prime Store Card : 9/18 : Closed by Synchrony

Synchrony – PayPal Credit : Closed by Synchrony

Comenity – Ulta Beauty Store Card : 3/19 : $5,000

Comenity – Express Next Store Card : $5,000 [AU]

Goldman Sachs – Apple Card : 08/19 : $15,000

Wells Fargo PLOC: 3/19 : PAID OFF $5,000

Honda Financial Services : 10/18 : $15K 7.35%

Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)

Remedios · ‎03-15-2019

@Anonymous wrote:
Update!
We just closed on a house. Got the keys today. My mortgage scores upper 600s-lower 700s. DH mortgage score around 660.
Thank you everyone for posting. I have scoured this site for the last year-and-a-half to improve my credit.

Congrats!

Anonymous · ‎03-15-2019

With our score our interest rate was 4.5%
We went USDA guaranteed. It was now or never because we will make too much to qualify later this year.

Anonymous · ‎03-18-2019

Congratulations

Anonymous · ‎05-15-2019

Hey I am trying to get surgery and I need to rebuild my credit
I saw that you did it and was successful. Congratulations. Can you please let me know how you were able to do it ? I need help knowing where to begin.