AboveAverage Posted April 19, 2008 Report Share Posted April 19, 2008 Thanks presumably to Student Loan Rehabilitation (my guarantor TL got deleted) I got a 44 point jump on EX. MyFico says I have Good Credit now!! I haven't yet checked my FAKOs but the scoring on TC is such crap. I thought in the beginning it was kinda ok, but it really is hit or miss. I'm not going to test drive the score yet. I want to push on getting rid of more baddies as well as waiting for my status on my BOA secured card as well as waiting for TU and EQ to tell me that HESAA (my guarantor) fell of those CRs too. (Then I will go to myfico again )But yeah, between baddies falling off, getting new credit (even though it's s--t right now but hey, gotta start somewhere), as well as following the advice of this board, the work really does pay off. I'm truly an impatient bastard, and hate that this doesn't happen overnight, but when it does....you want to do cartwheels. Hopefully the BOA can push my EQ up to over 600.As always whenever I share good news, thank you very much CIC! And to the newbies....keep asking your questions and keep working to get rid of your baddies....this won't happen overnight but when it does, you really will be proud! Link to comment Share on other sites More sharing options...
zfire Posted April 19, 2008 Report Share Posted April 19, 2008 Congrats.You're well on your way!! Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 19, 2008 Report Share Posted April 19, 2008 nice job! I'm sure those 16 INQs you removed had an effect as well! Link to comment Share on other sites More sharing options...
longshooter Posted April 19, 2008 Report Share Posted April 19, 2008 Congrats man. Your getting close to the 700 club now Link to comment Share on other sites More sharing options...
isislc Posted April 19, 2008 Report Share Posted April 19, 2008 Congrats! Yeah, a couple of my accounts hit my EQ today too and had another bump. I'm so looking forward to the possibility that I will finally be joining the 700 club by the beginning of next month!! Link to comment Share on other sites More sharing options...
AboveAverage Posted April 19, 2008 Author Report Share Posted April 19, 2008 Congrats! Yeah, a couple of my accounts hit my EQ today too and had another bump. I'm so looking forward to the possibility that I will finally be joining the 700 club by the beginning of next month!! Oh man that's awesome. When I started this, things were looking very very bleak. But with this significant improvement, I can truck on to 700+ by then end of the year, easily. (God Willing)Thank you all for your kind words. I'm nowhere near done, but I'm getting there. Link to comment Share on other sites More sharing options...
Magdalen77 Posted April 19, 2008 Report Share Posted April 19, 2008 Thanks presumably to Student Loan Rehabilitation (my guarantor TL got deleted) I got a 44 point jump on EX. MyFico says I have Good Credit now!! I haven't yet checked my FAKOs but the scoring on TC is such crap. I thought in the beginning it was kinda ok, but it really is hit or miss. I'm not going to test drive the score yet. I want to push on getting rid of more baddies as well as waiting for my status on my BOA secured card as well as waiting for TU and EQ to tell me that HESAA (my guarantor) fell of those CRs too. (Then I will go to myfico again )But yeah, between baddies falling off, getting new credit (even though it's s--t right now but hey, gotta start somewhere), as well as following the advice of this board, the work really does pay off. I'm truly an impatient bastard, and hate that this doesn't happen overnight, but when it does....you want to do cartwheels. Hopefully the BOA can push my EQ up to over 600.As always whenever I share good news, thank you very much CIC! And to the newbies....keep asking your questions and keep working to get rid of your baddies....this won't happen overnight but when it does, you really will be proud!I wish my EX was 664.Congratulations, AA, you deserve it after all your hard work!!! Link to comment Share on other sites More sharing options...
isislc Posted April 19, 2008 Report Share Posted April 19, 2008 I wish my EX was 664.Congratulations, AA, you deserve it after all your hard work!!!I'm sooo tempted to buy my Ficos again but gonna hold off till my EQ goes up again. I know my EX went up again but gotta resist! Then I'll do a TU and EX pull. Link to comment Share on other sites More sharing options...
AboveAverage Posted April 19, 2008 Author Report Share Posted April 19, 2008 I wish my EX was 664.Congratulations, AA, you deserve it after all your hard work!!!Thanks Mag...I am sure 100% that EX will give you 700+ soon. Your hatred for EX is how I feel about all three of them, personally. I hate that my life is determined by three sets of numbers. But EX, love you or hate you, will hook you up too. Providing you have no present, recently past, or future delinquencies, you should be A-OK. I am dying to know what my TransUnion FICO will be after my HESAA line gets out of there too. EQ I gotta pour some water on and give some tender loving card but there will be a jump there for sure. It is probable I'll know something by end of next week. Link to comment Share on other sites More sharing options...
AboveAverage Posted April 19, 2008 Author Report Share Posted April 19, 2008 I'm sooo tempted to buy my Ficos again but gonna hold off till my EQ goes up again. I know my EX went up again but gotta resist! Then I'll do a TU and EX pull.You should stick with the minimum of one month. I Myself was going to wait 3 but that student loan baddie was so major I had to see it. Plus it had been over a month since I last bought it. I definitely understand though...I wish myfico was like truecredit, but that Isaac guy must know better.... Link to comment Share on other sites More sharing options...
Amerikaner83 Posted April 19, 2008 Report Share Posted April 19, 2008 yeah, I'm wanting to pull again as well...I just may do it at the end of this month...I just paid down my Barclays card, cap1 is reporting a hella low balance, my FICO on EQ went from 653 to 665 just due to cap1 util. going down. I"ll probably pull all 3 again here at the end of the month. Link to comment Share on other sites More sharing options...
TTigggers Posted April 19, 2008 Report Share Posted April 19, 2008 Way to go AA.Smell that 700 club Link to comment Share on other sites More sharing options...
AboveAverage Posted April 19, 2008 Author Report Share Posted April 19, 2008 Way to go AA.Smell that 700 clubWhen I get to 700 on ALL 3...I'm throwing a huge CIC party and all of you are invited! No BS. Having both Good Credit and the money to pay for it will really Is Sexy.....I can smell my mortgage at a very decent rate. Link to comment Share on other sites More sharing options...
AboveAverage Posted April 20, 2008 Author Report Share Posted April 20, 2008 HESAA fell off of EQ as well. Spent the 11 bucks on MYFICO to find out what that did. My milestone is bittersweet though. While I have 607 in my EQ (only a 19 point jump there), a brand spanking new CA shows up on my reports. I explain it here in the new thread:http://debt-consolidation-credit-repair-service.com/forums/showthread.php?p=931449#post931449I think the only reason it isn't lower is because I DV'ed the bastards who put it on there in the first place. They sent it to the CRAs already disputed (never heard of that one) I need to know what to do so they can get off. In any event, I am now 600 all across the board...I guess you get highs and lows.... Link to comment Share on other sites More sharing options...
AboveAverage Posted April 22, 2008 Author Report Share Posted April 22, 2008 Student Loan Default is HISTORY from TransUnion! Now I got brand new scores from all three. This is what a few months gets you.....a jump of 34 points on average. 700 here I come! Even on you, EQ!! Link to comment Share on other sites More sharing options...
lovebug5 Posted April 23, 2008 Report Share Posted April 23, 2008 Nice job, AA! Link to comment Share on other sites More sharing options...
Magdalen77 Posted April 23, 2008 Report Share Posted April 23, 2008 I'm sooo tempted to buy my Ficos again but gonna hold off till my EQ goes up again. I know my EX went up again but gotta resist! Then I'll do a TU and EX pull.I'm not pulling again until June. By that time two more baddies will be off EX, my utilization will be lower and all but two of my new TLs will be over 6 months old. Hopefully, that will make a difference.P.S. Urgh!! I just remembered my new Chase card will only be two months old. That will be 50/50. The higher CL will be good for my usage, but the new card might knock down my score a little. Link to comment Share on other sites More sharing options...
lovebug5 Posted April 23, 2008 Report Share Posted April 23, 2008 I'm not pulling again until June. By that time two more baddies will be off EX, my utilization will be lower and all but two of my new TLs will be over 6 months old. Hopefully, that will make a difference.P.S. Urgh!! I just remembered my new Chase card will only be two months old. That will be 50/50. The higher CL will be good for my usage, but the new card might knock down my score a little.Yep. My trifecta has yet to report, so my pull in June is going to reflect the new accounts and most definitely not the FICO's I'd like to see. Ugh. Link to comment Share on other sites More sharing options...
Magdalen77 Posted April 23, 2008 Report Share Posted April 23, 2008 Thanks Mag...I am sure 100% that EX will give you 700+ soon. Your hatred for EX is how I feel about all three of them, personally. I hate that my life is determined by three sets of numbers. But EX, love you or hate you, will hook you up too. Providing you have no present, recently past, or future delinquencies, you should be A-OK. I am dying to know what my TransUnion FICO will be after my HESAA line gets out of there too. EQ I gotta pour some water on and give some tender loving card but there will be a jump there for sure. It is probable I'll know something by end of next week.Well, my one card that has a "delinquency" is a card I never had, the "late payment" was allegedly in Sept 2007. I've been fighting with the OC and reporting them to the BBB, to their state AG and to the PA AG. The girl from the PA AG's office just called yesterday (in response to an update from me complaining that the OC hasn't done anything yet, even though I filled out the affidavit swearing it was not my account). She told me to "Be patient. It sometimes takes a few weeks to month for the CRAs to update". But, she also told me that if I didn't see it gone in a month I should call her.Except for the pretend delinquency all of my other bad stuff is from 4-7 years ago, so probably not hurting my score very much now. Link to comment Share on other sites More sharing options...
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