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October 2018 Check-In Thread

Regular Contributor

Re: October 2018 Check-In Thread

Excop01,

Congratulations on the progress! For your discover card how long have you had the account open? I recently Recieved a $1450 increase from them and it felt good to finally receive some love and know that I’m on the right track. Applying for new cards may drop you some points initially due to inquires and age of accounts but it recovers with time.
Starting Score: EQ 677|TU 618|EX 627 Aug 2018
Current Score: EQ 720|TU 750|EX 743 Nov 2018
Goal Score: EQ 800|TU 800|EX 800


Take the myFICO Fitness Challenge
Message 11 of 25
Established Member

Re: October 2018 Check-In Thread

Yay! Thanks!


@Brownsugav wrote:
Emtwo,

Congratulations on the cli’s!

@Brownsugav wrote:
Emtwo,

Congratulations on the cli’s!

 

Starting Score: TU 573 EX 592 EQ 561
Current Score: TU 667 EX 640 EQ 614
Goal Score: TU 800 EX 800 EQ 800


Take the myFICO Fitness Challenge
Message 12 of 25
Established Member

Re: October 2018 Check-In Thread

 
Starting Score: TU 573 EX 592 EQ 561
Current Score: TU 667 EX 640 EQ 614
Goal Score: TU 800 EX 800 EQ 800


Take the myFICO Fitness Challenge
Message 13 of 25
Established Member

Re: October 2018 Check-In Thread

Hello, I wanted to join this group to continue to reach my goals. Is it ok if I ask for help on how to increase my scores?
Starting Score: EQ 535 TU 546 EX 542
Current Score: EQ 661 TU 686 EX 684
Goal Score: 750


Take the myFICO Fitness Challenge

Gardening until Jan 2020
Message 14 of 25
Moderator Emeritus

Re: October 2018 Check-In Thread


@Urbangirl11 wrote:
Hello, I wanted to join this group to continue to reach my goals. Is it ok if I ask for help on how to increase my scores?

Sure!

 

Your best bets would be to post negatives over in Rebuilding, and general questions typically in Understanding FICO Scoring when it comes to how to improve scores.




        
Message 15 of 25
Established Member

Re: October 2018 Check-In Thread

Thanks!
Starting Score: EQ 535 TU 546 EX 542
Current Score: EQ 661 TU 686 EX 684
Goal Score: 750


Take the myFICO Fitness Challenge

Gardening until Jan 2020
Message 16 of 25
Valued Member

Re: October 2018 Check-In Thread

Rev,

Well the day has finally come, the Chapt 7 BK is in the rearview mirror. Scores jumped up to 840 across the board. Now the next goal is to make sure Lexis Nexis has the information removed from my file. Thank you everyone for your help along the process, what an education....! They should save the BS courses in school and teach this as a manadory class before graduation. But then the 1% er's would not be happy!!!! I have to say out of all the creditors rebuilding NFCU was the best gig going. Chase the absoulte worst. Good luck everyone keep the faith. Thank you again to all that have guided me thru the proess, its appriciated.

Message 17 of 25
Moderator Emeritus

Re: October 2018 Check-In Thread


@134Sparks wrote:

Rev,

Well the day has finally come, the Chapt 7 BK is in the rearview mirror. Scores jumped up to 840 across the board. Now the next goal is to make sure Lexis Nexis has the information removed from my file. Thank you everyone for your help along the process, what an education....! They should save the BS courses in school and teach this as a manadory class before graduation. But then the 1% er's would not be happy!!!! I have to say out of all the creditors rebuilding NFCU was the best gig going. Chase the absoulte worst. Good luck everyone keep the faith. Thank you again to all that have guided me thru the proess, its appriciated.


Whee, congrats!  Is a great feeling getting clean after so long in the derogatory scorecards.




        
Message 18 of 25
New Member

Re: October 2018 Check-In Thread

Still trying to stay the course by making on time payments and saving money. For a few months I was disappointed in how slow this process was in rebuilding. My score seems to increase by a point here or there or not at all. The forums help me a great deal, just by knowing there is hope and by educating me on the credit rebuilding process. Thank you guys!
Message 19 of 25
Highlighted
Contributor

Re: October 2018 Check-In Thread

I’m 4 months in to gardening my score have gone up over 30 points no baddies on report and trying to focus on reducing debt.

Any other suggestions for improving scores?
Message 20 of 25