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Can't wait to see what happens!!!!

Regular Contributor

Can't wait to see what happens!!!!

I just inherited $4000 so I took all that $ to pay down the balances on my revolving accounts!!!!  That brings me down to 10% util!!!!!  I'm sooooo excited to see what happens to my scores!!!  According to the simulator it should bring me up at least 30-40 points on my TU.  My EQ  is about the same...I also have a DV out to AFNI which I'm waiting on----I'm 99% certain that collection doesn't belong to me.

 

 

9/26/08 TU: 528 EQ: 558 EX: 560
11/7/08 TU:584 EQ:601 EX 600
7/21/09 TU:636 EQ:626
12/27/11 TU: 675 EQ:680
Message 1 of 15
14 REPLIES
Senior Contributor

Re: Can't wait to see what happens!!!!

Congrats!!!!!  Especially on your obvious control....that would be hard not to spend some!

 

But that's the mindset you get after you've been here for a while.  Paying down becomes so much more important than it used to be!!!



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 2 of 15
Valued Contributor

Re: Can't wait to see what happens!!!!

Thtas great. How much was the total UTL before?
Message 3 of 15
Regular Contributor

Re: Can't wait to see what happens!!!!

My Util before was 45% so getting down to 10% is amazing for me! 

 

Bungalow...tell me about it!!!  It was REALLY hard to not spend the $!!!  Since seeing the improvements over the past year it would be a shame to backtrack!

9/26/08 TU: 528 EQ: 558 EX: 560
11/7/08 TU:584 EQ:601 EX 600
7/21/09 TU:636 EQ:626
12/27/11 TU: 675 EQ:680
Message 4 of 15
Senior Contributor

Re: Can't wait to see what happens!!!!

The only thing to splurge on is...buying your 2 FICO's when the accts update ...and have a drinkie to celebrate!*

 

*Type of drinkie is totally your call!! Smiley Wink

 

 



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 5 of 15
Member

Re: Can't wait to see what happens!!!!

What is this similator? I'd love to check that out!

Message 6 of 15
Senior Contributor

Re: Can't wait to see what happens!!!!

When you get your scores here on myFICO, you see the simulator.


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 7 of 15
Member

Re: Can't wait to see what happens!!!!

Does it cost anything? Thanks.

Message 8 of 15
Senior Contributor

Re: Can't wait to see what happens!!!!


doeIN2009 wrote:

Does it cost anything? Thanks.


Yes...about $15 each for EQ & TU.

 

Check your pm's!!!!  Sent you something



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 9 of 15
Member

Re: Can't wait to see what happens!!!!

What does check your pm's mean?
Message 10 of 15