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Thank You myFICO peeps!

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Valued Member

Thank You myFICO peeps!

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!
Current FICO 8
(03/19)TU-743 EX-691 EQ-675
Starting FICO 8
(12/17)TU-613 EX-634 EQ-616
Current Mortgage Scores
(2/19)TU- 703 EX-683 EQ-681
Starting Mortgage Scores
(10/18) TU-638 EX-654 EQ-649
Message 1 of 11
10 REPLIES 10
Community Leader
Super Contributor

Re: Thank You myFICO peeps!


@SLR13 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).  Smiley Happy


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 2 of 11
Senior Contributor

Re: Thank You myFICO peeps!

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

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 3 of 11
Valued Contributor

Re: Thank You myFICO peeps!

Nicely done!👍

Best Wishes towards the future!🤞

😊



Starting FICO 8 Score: EQ 491
Stating FICO 8 Scores 03/17/2018
TU 483 EX 527 EQ 491
Current FICO 8 Score:
EQ 632
Goal Score: 600(within a year)**MET MY GOAL**


Take the myFICO Fitness Challenge




















Message 4 of 11
Valued Member

Re: Thank You myFICO peeps!

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.
Current FICO 8
(03/19)TU-743 EX-691 EQ-675
Starting FICO 8
(12/17)TU-613 EX-634 EQ-616
Current Mortgage Scores
(2/19)TU- 703 EX-683 EQ-681
Starting Mortgage Scores
(10/18) TU-638 EX-654 EQ-649
Message 5 of 11
Established Contributor

Re: Thank You myFICO peeps!


@SLR13 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!!! Heart

I’m probably never finding that garden everyone keeps talking about.


Score dropped ~15 points due to large balance transfer

Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 6 of 11
Community Leader
Mega Contributor

Re: Thank You myFICO peeps!


@SLR13 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! 

EX 759 EQ 774 TU 753


Message 7 of 11
Valued Member

Re: Thank You myFICO peeps!

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.
Current FICO 8
(03/19)TU-743 EX-691 EQ-675
Starting FICO 8
(12/17)TU-613 EX-634 EQ-616
Current Mortgage Scores
(2/19)TU- 703 EX-683 EQ-681
Starting Mortgage Scores
(10/18) TU-638 EX-654 EQ-649
Message 8 of 11
Highlighted
Member

Re: Thank You myFICO peeps!

Congratulations

Message 9 of 11
New Visitor

Re: Thank You myFICO peeps!

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.
Message 10 of 11
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