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Regular Contributor
johnsj21
Posts: 179
Registered: ‎09-23-2008
0

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
Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

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: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Valued Contributor
nothingman02
Posts: 1,072
Registered: ‎02-15-2009
0

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

Thtas great. How much was the total UTL before?
Regular Contributor
johnsj21
Posts: 179
Registered: ‎09-23-2008
0

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
Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

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!! :smileywink:

 

 



Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Member
doeIN2009
Posts: 19
Registered: ‎07-27-2009
0

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

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

Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

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

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


Starting Score: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Member
doeIN2009
Posts: 19
Registered: ‎07-27-2009
0

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

Does it cost anything? Thanks.

Senior Contributor
BungalowMo
Posts: 4,236
Registered: ‎05-01-2008
0

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: 07/2011 TU 732 - EQ 717 - EX 702
Current Score: 06/2014 TU 739 - EQ '08 709 - EX 721
Goal Score: 850

Bury me in the garden...last app 06.18.14

Member
doeIN2009
Posts: 19
Registered: ‎07-27-2009
0

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

What does check your pm's mean?

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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