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Finally TU passes 740 after 3 yrs post BK DC!

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FireMedic1
Community Leader
Mega Contributor

Finally TU passes 740 after 3 yrs post BK DC!

As most know. I started in the 500's after BK 2015. Everything was going up and up. EX/EQ passed 750 last year and then some. But TU wouldnt budge past 735. All of 2018 inq's fell off to 0, things got older, 2 new accounts reported, stayed at AZEO or 2 with the newest card from BB&T. Whopping 5 points earned the whole year in 2018. TU does have a lower oldest account by 9 yrs. I was at 4 of 8 accounts reporting or 50% for Nov/Dec. Missed a statement close date. No biggy. $30. So back to 3 of 8 accounts reported in Jan. Got the alert that my balance went down $30 and score change. Hit the app. Score finally passed the 740 mark to 741. Well its about time! Nice to see 3 green discs on the dashboard. Thought TU would never get off their you know what and start moving again like back in 2016-17. So rebuilders stay the course and it does get better! Timeline looks like I almost had to do CPR until now.

tu.PNG



BK Free Aug25
10 REPLIES 10
Priory_Man
Valued Contributor

Re: Finally TU passes 740 after 3 yrs post BK DC!

Congrats on the score increase, a great achievement indeed. You are right, it is nice to see all green across the board.







"Total revolving credit $300,000 Current UTIL <1%"
Message 2 of 11
Pikaboo-icu
Valued Contributor

Re: Finally TU passes 740 after 3 yrs post BK DC!

Fantabulous!!!CHEER.gif

 

Congrats!! All your hard work is paying off!

Good For YOU!

 

aaaaapartysmileysphotobucketkima.gif  

  


Message 3 of 11
EW800
Valued Contributor

Re: Finally TU passes 740 after 3 yrs post BK DC!

Congratulations on your great success!  Yes indeed, it is a great feeling.  I, too, started my rebuild in the low-500 range and know how great it is to see the improved scores!  

 

Again, congrats!  

 

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Sept 2024: EX8: 847; EQ8: 850; TU8: 848 -- Middle Mortgage Score: 821
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 4 of 11
Remedios
Credit Mentor

Re: Finally TU passes 740 after 3 yrs post BK DC!

Congratulations!
Message 5 of 11
Brooklyn2018
Valued Contributor

Re: Finally TU passes 740 after 3 yrs post BK DC!

Congrats!!


Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700**MET MY GOAL** | Goal score: 800
Take the myFICO Fitness Challenge




>


I❤️NY
Message 6 of 11
xaximus
Valued Contributor

Re: Finally TU passes 740 after 3 yrs post BK DC!

Congrats on the hard work and passing 740! Always nice to see a fellow MyFICOer achieving their goals! Now onto 750? 800? Smiley Wink



Scores - All bureaus 770 +
TCL - Est. $410K
Message 7 of 11
FireMedic1
Community Leader
Mega Contributor

Re: Finally TU passes 740 after 3 yrs post BK DC!


@xaximus wrote:

Congrats on the hard work and passing 740! Always nice to see a fellow MyFICOer achieving their goals! Now onto 750? 800? Smiley Wink


Thanks Xax and everyone else. It's still a great feeling of accomplishment from the day I walked out that BK Court in Orlando and thought. That was easy. Then it hits you. Now the hard part. REBUILD! Yeah time for 760's. Bring it on!



BK Free Aug25
Message 8 of 11
Rogue46
Established Contributor

Re: Finally TU passes 740 after 3 yrs post BK DC!

That's awesome! Congratulations! I started my rebuild about the same time and just crossed 700's ! Now I just have to let my accounts age and watch it grow!





Message 9 of 11
Anonymous
Not applicable

Re: Finally TU passes 740 after 3 yrs post BK DC!

Hey you keep up the good work,

I WAS WAITING FOR MINE AND IT JUST CAME OFF IN NOVEMBER, I COULDNT WAIT , I WAs in the 7s AND NOT A POINT DID it move . WHY?

I HAD A WRONG INQUIRY REMOVED AND IT JUMPED 40 POIINTS. GO FIGURE. I HAVE HIGH LIMITS ON CARDS AND LOW RATES BUT STILL. I THOUGHT EASY 75 POINT JUMP. ANY WAY KEEP IT UP MYFICO FRIEND. KEEP UP THE GREAT WORK

 

MAKO50

Message 10 of 11
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