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The Race to 700

Established Member

The Race to 700

I Started this journey with my wife in may 2012 to get a 700 score or to purchase a second home.At one point we were competing to see who can get there first I introduced her to myfico after I joined and she's been aggressive since with pfd and negotiating with collectors we still have ways to go but just wanted to say thx so far heres our scores so far wife on top mine on bottom ... she stared at 661 now 786 i started at 613 now 695


10/13/2012786Score Watch® alert: Your score has gone up.  





9/27/2012695Score Power report: Your score is unchanged.  
Message 1 of 7
Valued Contributor

Re: The Race to 700

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 7
Moderator Emeritus

Re: The Race to 700

That's great, but she's kicking your butt!   LOL

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 7
Valued Contributor

Re: The Race to 700

A woman who likes to be on top......surprised?

/end sarcasm.
Scores: about 700 across the board
Total CL: $275k
Message 4 of 7
Valued Contributor

Re: The Race to 700

I'd need new pants if I saw an 81 point increase.  Did she have something major removed?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
Message 5 of 7
Established Member

Re: The Race to 700

thx folks as I said she's aggressive and like to be on top ....The 81 points spread was the last collection to fall of it took them forever to take it off but transunion is moving slow in taking it off but the other two did recently ..Some of her goodwill became dispute from cap1 they misinterpreted it that's what cause score drops but she still have four consecutive lates 30 days  from cap1 back in 2010 still on her report they aint budging at all cap1 sucks

Message 6 of 7
Valued Contributor

Re: The Race to 700

Those 30 day lates have lost most their steam by now. If you're able to get those removed, it'll be for cosmetic purposes only.

Scores: about 700 across the board
Total CL: $275k
Message 7 of 7