The higher you go the harder you fall I guess. I can't complain though. 
Thanks for your encouragement. I'm sure a number of you will be joining me real soon! Now that's going to be FUN! LOL
Starting Score (2/2010): TU-767, EQ-745
@Anonymous wrote:
hi i new and would like to know what was your score when you started and how did you get to way you are now? Great job you should be very very proud.
Thank you Mercedes. Welcome to the FICO fourums! My scores were in the low 600's when I began rebuilding. Here's a link to my 1st post that speaks to my journey: http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=50060#M50060.
Since this post several neg TLs have fallen off and I added 5 new CC which have 10k + CLs (except two). I have balances on 2 CCs currently, the age of my oldest accounts is 20 years and all of my TLs are positive.
I hope this helps. Good luck to you on your journey!
BBYGRL
are there any pointers/tips you can give to me as I am in the process of trying to rebuild my credit for me and hubby. we are in the low 500's right now 
@Anonymous wrote:BBYGRL
are there any pointers/tips you can give to me as I am in the process of trying to rebuild my credit for me and hubby. we are in the low 500's right now
Welcome to the FICO Forums. I would suggest you visit the the following links first:
Rebuilding Your Credit: http://ficoforums.myfico.com/fico/board?board.id=rebuildingcredit
Fico Scoring/General Credit issues: http://ficoforums.myfico.com/fico/?category.id=ficoscoring_othercreditissues
Frequently Requested Threads : http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=5000
These threads were extremely helpful in addition to the advice/suggestions/replies I received from specific questions I posted.
Then...
If you have not already done so, pull your three credit reports (EQ, TU, EX) and review them carefully and come up with a plan for your specific situation. Don't be afraid to post questions. The Mods and other experienced FICO Forum contributors can provide guidance.
Be patient and diligent. Credit repair is challenging and will take time. Lean on your new FICO Forum Family for support and encouragement.
I hope this helps. I wish you the best on your journey. 
Peace and many Blessings!
@Anonymous wrote:Congratulations on your rising FICO scores. As noted, the numbers are very complex and in today's broken economy they have lost some of their significance. Despite having excellent FICO scores (all three 800+) I am still stuck with lousy credit cards- the best one is 7.9% but my two others are at 9.9 and 12.9%. I've also been turned down for a home loan by 3 lenders. They say it had nothing to do with my credit rating. They claim its because of Fannie Mae appraisal standards. Maybe true. But before the economy tanked I doubt I'd be having trouble getting approved.
So, don't become jaded like I was into thinking that having high FICO scores will ease all of your financial pressures until the economy is turned around.
I agree. I just met with a Realtor last week. Although my scores are high, I know the loan process will be a headache. I'm not worried though. God will make a way. I have a good income, been on my job 11+ years and will have virtually no debt (besides my car loan) before I close. I'm optimistic.
Appraisal standards and everything else in the industry is really tightening up. I don't think we have seen the worst of it yet, but the bottom is close.
Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Alpine-Journey wrote:
Congratulations on your rising FICO scores. As noted, the numbers are very complex and in today's broken economy they have lost some of their significance. Despite having excellent FICO scores (all three 800+) I am still stuck with lousy credit cards- the best one is 7.9% but my two others are at 9.9 and 12.9%. I've also been turned down for a home loan by 3 lenders. They say it had nothing to do with my credit rating. They claim its because of Fannie Mae appraisal standards. Maybe true. But before the economy tanked I doubt I'd be having trouble getting approved.
So, don't become jaded like I was into thinking that having high FICO scores will ease all of your financial pressures until the economy is turned around.
Starting Score: 469Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
@Anonymous wrote:Congratulations on your rising FICO scores. As noted, the numbers are very complex and in today's broken economy they have lost some of their significance. Despite having excellent FICO scores (all three 800+) I am still stuck with lousy credit cards- the best one is 7.9% but my two others are at 9.9 and 12.9%. I've also been turned down for a home loan by 3 lenders. They say it had nothing to do with my credit rating. They claim its because of Fannie Mae appraisal standards. Maybe true. But before the economy tanked I doubt I'd be having trouble getting approved.
So, don't become jaded like I was into thinking that having high FICO scores will ease all of your financial pressures until the economy is turned around.
I'm in escrow as of yesterday. Although I was pre-approved and my loan officer is confidant I will be approved, I hope I done run into an snag. Wish me luck! I hope your situation turned around.
I was approved (pre-approved) for a home loan on Jan 2nd. Just waiting for the inspection results. Wish me luck!
HAPPY NEW YEAR everyone!
BBYGRL