Going from 654 to 746 on equifax in a year

[TheChosenOne]

I started reading on CB late last year when my EQ was 654. I just pulled my EQ score and it is now my highest ever at 746. Below are the screenshots over time. All of these score increases are with constant credit applications every 3-6 months. Huge thanks to CB and the mods/posters that took the time to help me, you know who you are

 

Hope this will encourage some newbs to keep fighting those CAs and don't give up. Success can be yours sooner than you think. Hints on how to do this yourself are scattered all over CB. What an incredible wealth of information here, if you just take the time to read. If you can put all the info together and draw some conclusions yourself, and read between the lines, you can accomplish anything.

 

 

 

 

 

 

 

Now to get approved for my first 20k card. Any suggestions?

[BobWang]

Now to get approved for my first 20k card. Any suggestions?

Congrats, TCO!

I would suggest a credit union for your first 20k card.

Bob

[cocomad]

Now is the time for Alliant or Penfed!!!

[TheChosenOne]

Now to get approved for my first 20k card. Any suggestions?

Congrats, TCO!

I would suggest a credit union for your first 20k card.

Bob

 

Thanks, bob! Thats what Im thinking as well. Not sure which CU would be most probable to approve a 20k limit card....hmmmm....

[kpb]

Sounds like where I am. Good job. If I may, how did you do it/what did you do? Either way, good job. I figure it's through disputes and it encourages me to knock off Cavalry so my eq can be where you are. This just motivates me further.

Edited October 8, 2008 by kpb

[TheChosenOne]

Now is the time for Alliant or Penfed!!!

 

Only asked for 15k from penfed when I was approved last week, but Im gonna ask for a CLI at activation and hopefully they can do it.

 

Alliant gave me the old online glitch and wouldnt even let me fund a savings account. I suppose I could call them tomorrow and go the paper app route.

 

Thanks, cocomad!

[dd50]

Congrats! You did a great job!

[TheChosenOne]

Sounds like where I am. Good job. If I may, how did you do it/what did you do? Either way, good job. I figure it's through disputes and it encourages me to knock off Cavalry so my eq can be where you are. This just motivates me further.

 

Im glad this motivates you to keep fighting CAs. My reports were clean back in July and my EQ score still remained under 700. One of the tricks I used that I believe had an effect was letting all of my accounts report a balance one month and then paying them off the next month. Fico shows "recent use of credit" as one of my fico attributes. I read about this trick awhile back but I wouldn't be able to find the thread right away...

 

Goodluck, kpb. You can do it.

[TheChosenOne]

Another myth I'd like to combat...

 

Too many open accounts. In my experience, the 30+ open accounts not only minimalized the damage done by new accounts, but if you have 30 accounts that hit fico bonuses everytime they hit an age milestone (6 months, 12 months, 2 years, etc) thats gonna add up quick. IMO, the more accounts, the merrier.

 

Not to mention every month theres a new CLI to ask for.

[Big Bear]

TCO, amazing work!! Glad to see that you are being rewarded for the effort!

[TheChosenOne]

TCO, amazing work!! Glad to see that you are being rewarded for the effort!

 

Thanks, BB. I enjoyed keeping track of the fico score jumps. Like a hobby. Guess I'm a bit of a credit nerd right now. Trying to uncover any secrets.

 

Still can't bring myself to pay that $12 for the EX score tho with only amex and bofa pulling it in GA. Maybe I'll suck it up and feed the monster this one time.

[TheChosenOne]

<<cheap bump>>

 

I tried alliant again and this time it went through. $5k plat visa. Not much but its a start.

 

Also applied for partners first, said I was approved but it didnt say the limit.

 

 

I guess with the penfed approval last week, I'm good for the rest of the year.

 

 

What to do with my time now that I can't scout potential credit apps?

[fortlaudsummer]

Wow, that's awesome TCO! Congrats!

[Sourgirl32]

great job, congrats!

[TheChosenOne]

Wow, that's awesome TCO! Congrats!

 

 

 

 

great job, congrats!

 

Thanks, guys

[shun_hun]

Awesome job....send some positive credit vibes my way please!

[TheChosenOne]

Awesome job....send some positive credit vibes my way please!

 

(((((((((shun_hun))))))))

 

your next fico pull will now show significant point increase

[direred]

Here's mine from the beginning:

[Sourgirl32]

Here's mine from the beginning:

 

 

Please Pm me with how you did this..thanks.

[direred]

Here's mine from the beginning:

 

 

Please Pm me with how you did this..thanks.

Gosh. It's all here in many thousands of messages (and that's just mine!).

[Sourgirl32]

Here's mine from the beginning:

 

 

Please Pm me with how you did this..thanks.

Gosh. It's all here in many thousands of messages (and that's just mine!).

 

 

LOL...I'll keep my eyes peeled

[refi4]

Congrats! Please, how did you do it?

[Lynn37]

TCO you inspire me. If I ever did not thank you for RJM, Thanks Your my HERO!!

 

Great job, Trying to walk in your footsteps!

[Stryker]

TCO, I am so proud of you... congratulations!!!

[Jazzyburrell]

I started reading on CB late last year when my EQ was 654. I just pulled my EQ score and it is now my highest ever at 746. Below are the screenshots over time. All of these score increases are with constant credit applications every 3-6 months. Huge thanks to CB and the mods/posters that took the time to help me, you know who you are

 

Hope this will encourage some newbs to keep fighting those CAs and don't give up. Success can be yours sooner than you think. Hints on how to do this yourself are scattered all over CB. What an incredible wealth of information here, if you just take the time to read. If you can put all the info together and draw some conclusions yourself, and read between the lines, you can accomplish anything.

 

 

 

 

 

 

 

Now to get approved for my first 20k card. Any suggestions?

 

 

Congrats you Star Wars Nerd you!!! LOL

 

I am waiting til next July or August to go for my 1st 20K card and I am very interested in the suggestions you get here!

 

From talking to you in PM's you know I think you are a Kool guy, our paths are very similar, so you know I will stay in touch and follow your progress!!