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Thanks everybody! TU FICO jumped 126 points


lindy1
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I just wanted to thank everyone for all the great advice. I knew I had CO's and bad credit and didn't think there was anything I could do about it - until I found this site. I had sent disputes back in 2002, but everything came back verified, so I thought - that's it - have to live with it. I found this site and joined TC on 5/18/07 with FAKO scores TU 613 EX 533 EQ 541. I have good TL's with mortgages and car loans over the last 5-6 years, but there are some big CC CO's that will be dropping off reporting over the next year that are causing the low scores. I sent disputes to the big 3 on 5/24 and a couple of the CO's have dropped off. I hadn't applied for a CC in over 7 years, but I was feeling confident and applied for Lowe's on 5/23 - no dice :cry: I applied for a pre-approved Cap 1 card platinum and got a 500 CL, so I'm thinking - it's a start. I still had an open inactive account from JCPenney's from '87 (history!) with a $200 CL. I called them and they sent me new cards (thanks MatthewScott for the idea) I went ahead and got my FICO's on 6/11 TU 568 EQ 671 EX 642 No wonder Lowe's didn't approve. I also had a closed NFCU Visa from '89, so I figured I'd call them since they use EQ. They couldn't open my old account, but they approved a new one with a CL of 15,000! I was in shock. I thought they made a mistake and meant 1500, but 5 days later, TC is reporting the new TL and 15k CL. On 6/21, TC reported TU 684 EX 645 EQ 661 (I've gone from 6 4 6 derog to 3 4 5 at this point). I decided to get my new FICO TU last night and it was 694!!! It jumped 126 points in 10 days!!! I was so excited, I applied online to TSC (I need a new lawn tractor) and was instantly approved for 4K!!!. My scores may drop from the new TL's, but that's OK - I'm moving forward finally This is an awesome site! Thank you!

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I still had an open inactive account from JCPenney's from '87 (history!) with a $200 CL. I called them and they sent me new cards

lol, You get an updated account and still get to keep the history. They get some business. I think it works out for everyone. I'm glad it worked for you as well.

As you know, just be good with it.

Great progress! Keep going and good luck!

xdancex

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Congrats. Thats awseome. I've been a NFCU member since the mid 90's myself. I've had a few car loans through them over the years. I just applied friday for a CC with them and was approved with a $5000 limit. I hope that will help out my Fico score some.

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