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700 club at last

Established Member

700 club at last

10 years ago I had good credit, a good job and an awesome family. That's when my journey started. My kidneys went bad. Started dialysis and discriminated at work twice. I was force to retire in such a young age. Income is thru social security only. I had to let my credit go to collections. 7 years past so some collections dropped but some current ones remained. In April 2016, my fico score was 550. Cap one Sent me a preapprove credit for a gm rewards card world elite mc. It was a credit step program.
From there entered to rebuild my credit by joining a credit repair program for 2 months and it did help a lot. With some deletions my score with up in the low 600s. I was reading the credit pull data base and trying to figure what bank would be helpful to rebuild credit. So I app with penfed, nfcu, dcu, nasa, tdecu, service credit union and Navy army ccu. All gave me cc sl of 500-2500. I been paying on time and more than the min. UTI 9%, score jump to 680. App for Sams and approve for 5k with their mc. 3000 for Wal-Mart store Card. Bbva clearpoint visa for 2800, bbva unsecure signature loan for 10000 and auto loan for 19000. Been paying on time with only my ss income and my score finally hit tu 701, ex 700 and eq 667. Not to brag but I am bless with a family that stayed by my side thru this ordeal, healthy or not, but a lot of struggles. Just work hard to build your credit and my motivation factor is my wife and kids. With good credit even you don't make much will take you a long way. Bless you all.
Message 1 of 7
Valued Contributor

Re: 700 club at last

Congrats and thanks for sharing your personal journey. I always like a success story with a happy ending.


I hope you and you family have a great Holidays!

Message 2 of 7
Regular Contributor

Re: 700 club at last

Well done! Disability can be challenging to deal with but you appear to be making a good situation for youself. Keep up the good work.

Fico 8 Scores
10/2017: EQ - 823; TU - 835; EX - 824; Seven CCs ($125,500 CL, 0%-1% UTIL); AoOA = 15.5 years; AAoA = 60 mos.; AoYA = 18 mos.; one mortgage; one car loan; derogs from 2009 and 2010 now gone after 7 years. It's taken a few years but credit scores are now good after starting in the high 500s back in 2011
05/2016: EQ - 712; TU - 706; EX - 710
11/2015: EQ - 694; TU - 651; EX - 653
5/2015: EQ - 640; 11/2014: EQ - 653; 05/2014 EQ - 653; 11/2013: EQ - 645; 05/2013: EQ - 656;11/2012: EQ - 646;
Message 3 of 7
New Member

Re: 700 club at last



These roads can be difficult journey's and have many turns, but keep the positive attitude and you'll prevailSmiley Happy

Starting Score: 684
Current Score: 707
Goal Score: 740

Message 4 of 7
Established Contributor

Re: 700 club at last

Conrats on your progress!

Goal: 700's by 11/1/2015 (all baddies will be gone)
Message 5 of 7
Valued Contributor

Re: 700 club at last

Congratulations on the fantastic improvement to your credit file and scores!  You did a great job of turning the ship around!  


I hope your health continues to improve and so thankful that you have a great family by your side!  



Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
May 2018: EX8: 745; EQ8: 740; TU8: 798; FICO 9 Scores about 50 points higher
In My Wallet: Discover $69.7K; Cap1 Venture $36.7K; Amex ED $38K; Amex Optima $12.5K; Amex Delta Gold $15K; Citi Costco $10.5K; Cap1 Plat $8.4K; Barclay $7K; Citi TY Pref $13K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $226K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 6 of 7
Valued Contributor

Re: 700 club at last


Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $15,000 / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $6500 / Barclay Apple Rewards - $5400
Merrick - $2400 - Total - $131,300

EQ - 745 / TU - 732 / EX - 742
Message 7 of 7