What was your score a year ago?

[Anonymous]

523 on 3/13/07

712 today-

[fused]

- 28 months ago surely all were sub-525

- 12 months ago 730 - 770 (well close enough)

- now 782-752

[Junejer]

---

@Anonymous wrote:

---

@Junejer wrote:

Nice work desifink. That's beautiful. $26M decrease in CC debt. In what time frame (the last year)?

---

Thanks!! We started working on it earlier last year, but really got serious around September '07. We've had a couple of windfalls - bonuses, plus new job with a nice raise for me, that have really helped us tackle the mountain. The downside of that though is our tax return - looks like we'll owe about 3k. The first time ever we've had to pay.

---

Better to have to pay, than to give them an interest-free loan for a year.  Think about THE IRS.  They look at your money, like it's THEIRS--thus THE IRS.

[azsassycat]

I checked my scores for the first time in October 2007 so about 4 1/2 months ago - see siggy for differences.

Cathleen

[Anonymous]

---

ByrdMan wrote:

Better to have to pay, than to give them an interest-free loan for a year.  Think about THE IRS.  They look at your money, like it's THEIRS--thus THE IRS.

---

Yes, I know - we try to break about even with the IRS, and have always ended up with a small to middling refund. After 18 years of never paying extra in April, seeing that big red $2770 in TurboTax was a shock that I'm just now starting to get over. Especially since I'm in aggressive paydown mode, and that $$ would have meant another 20% reduction in CC debt. Grrrr indeed.

[Anonymous]

Ahh. Another scorewatch update EQ: 652 now, up from 641

Message Edited by EVO on 03-07-2008 11:26 PM

[rubaty]

April 07:

TU: 700 EQ: 717 EX: 717

62% UTL   Total of $20K in TL  0 new accts or inqs   Avg acct age: 7 yrs

March 08:

TU: 745 EQ: 739 EX: 723

11% UTL   Total of $115K in TL    9 new accts/inqs from Oct - Dec 07   Avg acct age: 5 yrs with all new accts reporting

Not much of a change because of new accounts but that's ok because now I don't need anymore credit.  I'm just going to let them age until I app for a mortgage in Oct 09.

[Anonymous]

Everybody is lookin' good!

[Anonymous]

I only started tracking in July 2007 - then and now scores are listed below :

(03/07/08): TU683,  EQ676,  EX680
(07/07/07): TU578,  EQ572,  EX583

[Anonymous]

January 16, 2008: Equifax 585
March 15, 2008: Equifax 682 (+97 Points)

Huge increase due full to a 95-99% of CC debt paid down to 1-5%.

Looking forward to 700's by Summer

Message Edited by EVO on 03-18-2008 07:03 AM