I started last February then with these few "Planning ahead" questions.
I was at EQ 639, TU 655 and EX 648.
Today I am the helm of my rebuilding credit journey.
These past 2 weeks in particular were very good to me: EQ auto deleted last Bad account(month an a half ahead), I got 12K increase on my Amex(3X CLI) and today I was finally able to get EE on that last bad account with TU.
So I run a 3B report - my file is squeaky clean. Clean, Clean and Clean.
Today EQ 721, TU 718 and EX 720. That is before 12K Amex 3X CLI which should push it above 740 which was My Goal all alone to buy the house!!! My Spouses scores are above 800 on all 3 CRAs!
All the Debt that we have 0% interest with the help of a few "smart" Balance transfers for the next 11-17 month.
Finally - No baddies and no inquiries! 
Congrats on your journey and it must feel amazing!
Rock on with your bad self!!! Congrats!!!
Congrats! Can't wait until I can say that in 4-5 years. Lol
@SummerOf17 wrote:I started last February then with these few "Planning ahead" questions.
I was at EQ 639, TU 655 and EX 648.
Today I am the helm of my rebuilding credit journey.
These past 2 weeks in particular were very good to me: EQ auto deleted last Bad account(month an a half ahead), I got 12K increase on my Amex(3X CLI) and today I was finally able to get EE on that last bad account with TU.
So I run a 3B report - my file is squeaky clean. Clean, Clean and Clean.
Today EQ 721, TU 718 and EX 720. That is before 12K Amex 3X CLI which should push it above 740 which was My Goal all alone to buy the house!!! My Spouses scores are above 800 on all 3 CRAs!
All the Debt that we have 0% interest with the help of a few "smart" Balance transfers for the next 11-17 month.
Finally - No baddies and no inquiries!
Congratulations!
Interesting part here is that my latest 3B FICO says I have nill ENQs at all, which is good thing to certain extent. My file at Experian.com shows 3, all from May of 2017, which are valid.
Why is That?
@SummerOf17 wrote:Interesting part here is that my latest 3B FICO says I have nill ENQs at all, which is good thing to certain extent. My file at Experian.com shows 3, all from May of 2017, which are valid.
Why is That?
Inq's stay on your report for 2 years, but after 1 year they are unscoreable, so MF 3b report doesn't show them after they no longer affect you.
Congrats on your progress, and i can't wait till i can make a post like this when i'm "clean" as well 