I have been rebuilding since October of 2015. My Fico scores started out around 587, give or take, across the board. I still have 1 late payment showing from 32 months ago showing on EX and TU, but EQ is squeaky clean! Scores as of today are EX 743 TU 740 EQ 769! The only thing I need now is time. Have a lot of inquiries and new accounts. AAoA is 10yrs, 4 mo. Inquiries EX 12 TU 5 EQ 9. Overall Util 10% (until Amex 3x cli hits the reports anytime now, then 8%…hoping for a slight bump for crossing the 9% threshold)
I’m firmly in the garden until the end of the year (hopefully longer). However, I have been known to escape from time to time. Guess I will have to live vicariously through all of you!
I can’t thank you all enough for your help, support, debates, and willingness to share!
Can’t wait to keep rocking this rebuild! I won’t consider it done until all baddies are gone!