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Only CO removed from TU +70 pt gain!

LaHossBoss
Senior Contributor

Only CO removed from TU +70 pt gain!

I couldn't bear to not share a huge gain for me today.

 

TU listed my Rise CO with an "estimated date of removal" of 12/2021. I had EE request planned for the CO and corresponding CA on 6/1/2021.

 

But, my plan was foiled when Rise and/or TU remove my CO today! My F8 shot up +70 pts! Mind you, I still have 3 CAs and 8 x 120d lates (I still am waiting for these lates to be removed, as they have been removed from the other 2 bureaus), but I find this a huge win nonetheless, as this is my first F8 score in the yellow range and crossing 700 mark and it came much sooner than expected! By August, all 3 CAs will be gone, so I hope to see my scores jump again then!

 

This CO had only 1 x 30d late and then was CO, for additional DPs. I am considering doing a single bureau pull to see what my other TU scores look like.

Screenshot_20210405-142458_myFICO.jpg

 

Screenshot_20210405-142435_myFICO.jpg

 

Screenshot_20210405-142515_myFICO.jpg

 

Screenshot_20210405-142531_myFICO.jpg

 

@Birdman7 , thought you would be interested in the update.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



13 REPLIES 13
OmarGB9
Community Leader
Super Contributor

Re: Only CO removed from TU +70 pt gain!

Amazing! Congratulations! 👏


Last App: 05/30/2021
Capital One Auto Refinance Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 14
ImTheDevil
Community Leader
Super Contributor

Re: Only CO removed from TU +70 pt gain!

Holy he11 that's an awesome gain - big congrats and a long deserved boost! 



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy cashRewards | Navy Platinum | Apple | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 3 of 14
AllZero
Super Contributor

Re: Only CO removed from TU +70 pt gain!

Wow! 😲 That is an excellent score increase. I'm very happy for you. Fantastic job on your progress.
Message 4 of 14
LaHossBoss
Senior Contributor

Re: Only CO removed from TU +70 pt gain!

TU4 703 > 721 (+18)

TU A4 739 > 755 (+16)

TU A8 658 > 729 (+71)

TU A9 599 > 673 (+74)

TU B8 654 > 729 (+75)

TU B4 704 > 719 (+15)

TU B9 624 > 700 (+76)

TU F9 597 > 684 (+87)

 

Beginning to now TU F8 498 > 716 (+218) Not bad for just over 13 months into rebuild!

 

These are all of my new scores. Couldn't resist a pull to see how my rebuild looks now.

 

8s and 9s had the biggest impact from the single CO being removed. This CO also had a $0 balance, was an installment loan, and had not updated in over 6 years. Really surprising the impact was so huge considering the CO had no impact on util and had been sleeping for so long, plus that I still have 3 collections and 8 x 120d lates.




Starting Score: 2•20 | EQ 550 | TU 498 | EX 505
Current Score: 4•21 | EQ [F8 651] [F9 651] [EQ5 684] [VS3 630] | TU [F8 717] [F9 692] [TU4 723] [VS3 639] | EX [F8 718] [F9 673] [EX2 681] [VS3 675]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge

SO Starting Score: 2•20 | EQ 502 | TU 484 | EX 521
SO Current Score: 4•21 | EQ [F8 661] [F9 622] [EQ5 677] [VS3 646] | TU [F8 705] [F9 673] [TU4 639] [VS3 627] [VS4 666] | EX [F8 719] [F9 708] [EX2 679] [VS3 665]
Goal Score: 670 [X] TU [X] EX


Take the myFICO Fitness Challenge



Message 5 of 14
DommieD
Regular Contributor

Re: Only CO removed from TU +70 pt gain!

Amazing! Huge congrats for a huge win! 

Current Fico:
As of April 2018:


Message 6 of 14
M_Smart007
Epic Contributor

Re: Only CO removed from TU +70 pt gain!

Message 7 of 14
SouthJamaica
Super Contributor

Re: Only CO removed from TU +70 pt gain!


@LaHossBoss wrote:

I couldn't bear to not share a huge gain for me today.

 

TU listed my Rise CO with an "estimated date of removal" of 12/2021. I had EE request planned for the CO and corresponding CA on 6/1/2021.

 

But, my plan was foiled when Rise and/or TU remove my CO today! My F8 shot up +70 pts! Mind you, I still have 3 CAs and 8 x 120d lates (I still am waiting for these lates to be removed, as they have been removed from the other 2 bureaus), but I find this a huge win nonetheless, as this is my first F8 score in the yellow range and crossing 700 mark and it came much sooner than expected! By August, all 3 CAs will be gone, so I hope to see my scores jump again then!

 

This CO had only 1 x 30d late and then was CO, for additional DPs. I am considering doing a single bureau pull to see what my other TU scores look like.

Screenshot_20210405-142458_myFICO.jpg

 

Screenshot_20210405-142435_myFICO.jpg

 

Screenshot_20210405-142515_myFICO.jpg

 

Screenshot_20210405-142531_myFICO.jpg

 

@Birdman7 , thought you would be interested in the update.


Congratulations. Good job Smiley Happy


Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 747 EX 713

Message 8 of 14
Anonymous
Not applicable

Re: Only CO removed from TU +70 pt gain!


@LaHossBoss wrote:

I couldn't bear to not share a huge gain for me today.

 

TU listed my Rise CO with an "estimated date of removal" of 12/2021. I had EE request planned for the CO and corresponding CA on 6/1/2021.

 

But, my plan was foiled when Rise and/or TU remove my CO today! My F8 shot up +70 pts! Mind you, I still have 3 CAs and 8 x 120d lates (I still am waiting for these lates to be removed, as they have been removed from the other 2 bureaus), but I find this a huge win nonetheless, as this is my first F8 score in the yellow range and crossing 700 mark and it came much sooner than expected! By August, all 3 CAs will be gone, so I hope to see my scores jump again then!


"I only regret that I have but one Kudo to give."

 

Seriously, @LaHossBoss , so nice to see that! Congratulations!

Message 9 of 14
funkybuddha
Valued Member

Re: Only CO removed from TU +70 pt gain!

Awesome work!!!

Message 10 of 14
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