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Epic Contributor
Creditaddict
Posts: 20,896
Registered: ‎10-23-2007
0

I get it now!!! Tapping fingers waiting for my creditors to report for the month... THANK YOU ALL!

I always see a lot of posts about getting creditors to update early, im running out of patience waiting, what can I do while I wait, etc. etc.  and I always use to think it was almost kind of silly UNTIL now... last month I paid off (counting in head) 14 accounts, 2 charge offs and got deleted roughly 15 AU accounts!!

 

So far NONE have been updated, it's killing me... for some reason on my USAA Experian Credit Monitoring my EX score keeps going up daily and now is over 700 but really who are they fooling, no telling what that really means, but at the same time even though I think it's a worthless score it's kind of nice seeing a 7 in front of any credit score of mine!!!

I'm waiting to pull Fico's again because I pulled them RIGHT before doing to round of payoffs and they were around the 660 range which is also higher then what they have been... it's been such a long road and it's not over yet, even though I did pay off everything except Car 10k, student loan $1800, and 2 credit cards (my large ones!) everything else is gone, it's kind of amazing.  I just hope in the end I see some real increases in credit even though now I don't carry any debt (besides the accounts I mentioned) I carry 1 Visa, 1 Amex, 1 Target and pay them weekly.

 

Anyway, I will update as more news and updates come in because I know over the years of following some of you mayors of MyFico and the newbies it's been a wealth of information and amazing to bounce ideas of eachother... thanks so much

 

(hmm my glass of wine got to me, I was just going to post that Im pulling my hair out every morning checking my reports for accounts to show $0 and then went into a whole big story... hope it was worth it for someone other then me!)

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010
0

Re: I get it now!!! Tapping fingers waiting for my creditors to report for the month... THANK YOU AL


Creditaddict wrote:

I always see a lot of posts about getting creditors to update early, im running out of patience waiting, what can I do while I wait, etc. etc.  and I always use to think it was almost kind of silly UNTIL now... last month I paid off (counting in head) 14 accounts, 2 charge offs and got deleted roughly 15 AU accounts!!

 

So far NONE have been updated, it's killing me... for some reason on my USAA Experian Credit Monitoring my EX score keeps going up daily and now is over 700 but really who are they fooling, no telling what that really means, but at the same time even though I think it's a worthless score it's kind of nice seeing a 7 in front of any credit score of mine!!!

I'm waiting to pull Fico's again because I pulled them RIGHT before doing to round of payoffs and they were around the 660 range which is also higher then what they have been... it's been such a long road and it's not over yet, even though I did pay off everything except Car 10k, student loan $1800, and 2 credit cards (my large ones!) everything else is gone, it's kind of amazing.  I just hope in the end I see some real increases in credit even though now I don't carry any debt (besides the accounts I mentioned) I carry 1 Visa, 1 Amex, 1 Target and pay them weekly.

 

Anyway, I will update as more news and updates come in because I know over the years of following some of you mayors of MyFico and the newbies it's been a wealth of information and amazing to bounce ideas of eachother... thanks so much

 

(hmm my glass of wine got to me, I was just going to post that Im pulling my hair out every morning checking my reports for accounts to show $0 and then went into a whole big story... hope it was worth it for someone other then me!)


I'll drink a glass of wine to celebrate your success.

Established Contributor
dharalex
Posts: 607
Registered: ‎09-08-2011
0

Re: I get it now!!! Tapping fingers waiting for my creditors to report for the month... THANK YOU AL

CHEERS!


Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760


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Current Score: 800
Goal Score: 850

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Epic Contributor
Creditaddict
Posts: 20,896
Registered: ‎10-23-2007
0

Re: I get it now!!! Tapping fingers waiting for my creditors to report for the month... THANK YOU AL

I'll drink a glass of wine to celebrate your success.


Well I appreciate sharing some wine... but I think that should be a bottle or three!, a glass is what I have at lunch :smileyhappy:

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 695 NASA(10-6-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Valued Contributor
tcbofade
Posts: 2,314
Registered: ‎09-26-2011
0

Re: I get it now!!! Tapping fingers waiting for my creditors to report for the month... THANK YOU AL

Yay you!  (but I prefer Budweiser to wine...)



Current Scores: EX 671 (FCR) TU08: 638 Wally (TU08).10/11//14 Last app 05/29/2014.
Being held hostage in the garden until 01 November 2014.

Zero percent financing is where the devil lives...
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
0

Re: I get it now!!! Tapping fingers waiting for my creditors to report for the month... THANK YOU AL


Creditaddict wrote:

I always see a lot of posts about getting creditors to update early, im running out of patience waiting, what can I do while I wait, etc. etc.  and I always use to think it was almost kind of silly UNTIL now... last month I paid off (counting in head) 14 accounts, 2 charge offs and got deleted roughly 15 AU accounts!!

 

So far NONE have been updated, it's killing me... for some reason on my USAA Experian Credit Monitoring my EX score keeps going up daily and now is over 700 but really who are they fooling, no telling what that really means, but at the same time even though I think it's a worthless score it's kind of nice seeing a 7 in front of any credit score of mine!!!

I'm waiting to pull Fico's again because I pulled them RIGHT before doing to round of payoffs and they were around the 660 range which is also higher then what they have been... it's been such a long road and it's not over yet, even though I did pay off everything except Car 10k, student loan $1800, and 2 credit cards (my large ones!) everything else is gone, it's kind of amazing.  I just hope in the end I see some real increases in credit even though now I don't carry any debt (besides the accounts I mentioned) I carry 1 Visa, 1 Amex, 1 Target and pay them weekly.

 

Anyway, I will update as more news and updates come in because I know over the years of following some of you mayors of MyFico and the newbies it's been a wealth of information and amazing to bounce ideas of eachother... thanks so much

 

(hmm my glass of wine got to me, I was just going to post that Im pulling my hair out every morning checking my reports for accounts to show $0 and then went into a whole big story... hope it was worth it for someone other then me!)


'Grats on the big payoffs! Keep us posted, especially on any resulting score changes.

 

No hair pulling, or you'll have to apply for a Care Credit account to pay for hair transplants. :smileywink:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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