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Finally TU passes 740 after 3 yrs post BK DC!

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Super 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





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
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Established 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.






~~ Former Royal Navy Submariner - Proud to have served ~~
Message 2 of 11
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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
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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...
Dec 2019: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $39.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $19.5K; Cap1 Plat $8.4K; Barclay $7K; BoA Plat $21.6K; Citi TY Pref $19K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $273K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 4 of 11
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Moderator

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

Congratulations!
Message 5 of 11
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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: 650(within a year)


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Message 6 of 11
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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 750 +/-
TCL - Est. $275K
Message 7 of 11
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Super 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!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 8 of 11
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Regular 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
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New Contributor

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

Mako50
Message 10 of 11
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