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I'm done!!! I give up!!!

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ktl72455
Valued Contributor

Re: I'm done!!! I give up!!!

Congrats on the bump!!!  We have been on the same roller coaster ride you are on!!  I never ever dreamed I would even get close to 600 in 2 yrs time and I have done it in a matter of months, the same way you are, one score bump up, 2 score bumps back...  act like your banging your head on the wall, going to throw in the towel, credit sucks, I dont need it, had less stress before I tried fixing it and then I would get a nice bump  do my happy dance booya!!!  and dive back in !!

 

Come here and vent, we all totally understand!!! Just dont give up!

 

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 21 of 22
ktl72455
Valued Contributor

Re: I'm done!!! I give up!!!

Also you mentioned:

 I have six accounts in good standing but I guess it's not enough. I pay my credit card, student loans, car notes etc on time each month.

 

If you carry high balances on your credit card it will hold your score down. Something I never knew until arriving on the forum!

Only 1 Credit Card can hold your score down. Not sure what all accounts you have.

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%
Message 22 of 22
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